I.C. System, Inc. CFPB Complaints

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 022XX	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.
09/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18201	Web
This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must 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, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any communication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part. ( vi ) Accounts have been turned over to innocent purchasers for value. ( vii ) Documents are legal process. ( viii ) Documents are not legal process forms or do not require action by the consumer. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 1006.22 Unfair or unconscionable means. ( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ). 15 U.S. Code 1681s2 - 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. 5 U.S. Code 552a - Records maintained on individuals
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 191XX	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
07/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
Im disputing the charges of {$390.00}, due to identity theft. Both my cell phone and internet service were compromised by XXXX XXXX and XXXX XXXX. I got locked out of my internet and email accounts at the end of XX/XX/XXXX ; I had no internet or email access. My resolution is for my account to get to a XXXX balance. A police report was filed with XXXX XXXX Police Department on XX/XX/XXXX, alerting them that my internet service, as well as my cell phone service was compromised. Cell phone service was provided by XXXX XXXX and internet service through XXXX XXXX. A copy of the police report is attached. I also contacted XXXX XXXX and XXXX XXXX that my internet and cellular accounts were compromised. I brought my own XXXX XXXX and activated it online through an e-Sim in XX/XX/XXXXXXXX XXXX Initially, the cell phone service with XXXX XXXX was under cell phone number XXXX ; which then changed to XXXX. Upon starting my cell phone service, I received an electronic e-gift card valued at {$350.00} from XXXX XXXX via email. I brought my own cell phone an XXXX XXXXXXXX XXXX under IME # s XXXX and XXXX. I activated my cell phone service using cellphone number XXXX via an E-SIM on the XXXX XXXX network on or about XX/XX/XXXXXXXX XXXX On or before XX/XX/XXXX ; I received a text message from XXXX XXXX indicating that my data usage had exceeded the procured plan and therefore my data usage will be reduced to slower speeds. I knew that I had not consumed this data, so I called XXXX XXXX to inquire about my data usage, since I rarely went on my phone. When I called XXXX XXXX, they did not elaborate as to what possibly could be causing the increase in data ; they just stated that it was nothing for me to worry about. However unbeknownst to myself, someone was able to successfully activate and start using my personal hotspot ; which I did not activate. On XX/XX/XXXXXXXX XXXX XXXX I found out that someone successfully activated and started using my personal hotspot ; which explained the increase in data consumption. I started noticing my phone getting excessively hot, the battery started draining faster than usual, my phone was acting like a personal router with 4 different IPs connecting to it and a focus feature was activated. The focus feature on an XXXX, silences phone calls, messages and emails. I contacted XXXX XXXX and XXXX XXXX that my internet and cellular accounts were compromised on or about XX/XX/XXXX. During all this time, I only had one existing phone line active and due to my phone being compromised, I tried to change my cellphone number from ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX in order to deter the phone hacking. Sometime in or about XX/XX/XXXX, I had complained to XXXX the manufacturer of my XXXX that the phone was overheating, had excessive battery draining and a Focus feature activated ; which did not allow me to be notified of any incoming/outgoing emails, account changes, text messages or phone calls. XXXX responded by asking me to send in my phone for them to service it. In turn, I sent my phone to XXXX Repairs. My phone was so heavily compromised that they did not repair my phone, that they kept my old phone and sent me a replacement phone, same make and model ; with a different IMEI number ; the IMEI ( s ) of replacement product is XXXX and XXXX. The work repair email from XXXX is attached, for your records. When I initiated service, I received a {$350.00} e-gift card upon the activation of my phone plan in XX/XX/XXXXXXXX XXXX Payments to the account were done through the XXXX XXXX on my cell phone. The first {$75.00} of the rebate, I used it to pay the XX/XX/XXXX bill. The 2nd rebate payment was done on XX/XX/XXXX again on the XXXX App ; however, it seemed that that payment did not go to my account. Because the payment was never received. An investigation was set up to find out where the rebate payment went. When I received my replacement phone at the end of XXXX, I went to the XXXX XXXX corporate Store located at XXXX XXXX XXXX XXXX, PA on XX/XX/XXXX to activate the replacement phone. I had explained to the store specialist named XXXX, that my phone was compromised due to identity theft and that the phone given was a replacement phone. The specialist at the store suggested a different phone number and for me to add a paid security feature to my phone plan for an additional {$17.00} more of my phone plan. At first, I went ahead with changing my phone number to ( XXXX ) XXXX, but then changed it back to my old number of ( XXXX ) XXXX ; due to my banking information and email accounts being tied to the old phone number. On this same day, XX/XX/XXXXXXXX XXXX XXXX I went to the Kiosk at the XXXX, PA Corporate store and applied the remaining balance of {$190.00} to my account ; since I had trouble with the payments that were submitted through the XXXX App. I never received a receipt of this transaction, I was told that they were out of paper, but that the system would take into account the transaction. It was at the XXXX store that I was offered a 2nd promotion rebate of {$350.00}, with an expiration of XXXX XXXXXXXX XXXX. Attached, you will see the 2nd promotion offer that was handed to me at the store. I never used the second rebate and let it expire ; since the phone I received was a replacement phone. I have paid back the first, and only rebate that I used in the amount of {$350.00} ; on XX/XX/XXXXXXXX ; at the store located at XXXX XXXX XXXX XXXX XXXX, Florida. I did not, nor do I currently have access to emails, that were previously sent with regards to my rebate and have not submitted any rebates over email or online. Due to my email and internet accounts being compromised, I did not have access to emails or the internet, to submit any rebates. Many things have gone amiss on my account, I would like for someone to investigate how and why my phone service had high data consumption when I was not actively using my phone, and how someone managed to setup a personal hotspot and have it activated and linked to my phone through your services and lastly how a second rebate was processed in XXXX, when I did not actively use the rebate or activate it, nor did I have email access ; since my emails were compromised. Please provide a response to my dispute. Thank you. Sincerely, XXXX XXXX
07/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34472	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that I.C. SYSTEM, INC had illegally posted alleged collection accounts to my credit report. I have never started nor an opened account with this company. My report shows that I.C. SYSTEM, INC open accounts were opened on XX/XX/2022 and XX/XX/2022 with a balance of {$440.00} and {$160.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states 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 consumer 's 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 ) of this section 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. ( 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. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
06/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38118	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that I.C. System, Inc had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that I.C. System, Inc open account was opened on XX/XX/2022 with a balance of {$190.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states 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 consumer 's 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 ) of this section 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. ( 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. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of starting a business. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. IC System Correspondence XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX
12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38125	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that I C SYSTEM had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that I C SYSTEM open account was opened XX/XX/2023 with a balance of {$270.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states 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 consumer 's 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 ) of this section 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. ( 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. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making home renovations. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. I C SYSTEM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38632	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that I C SYSTEM had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that I C SYSTEM open account was opened on XX/XX/2020 with a balance of {$290.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states 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 consumer 's 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 ) of this section 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. ( 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. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of purchasing a vehicle. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
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.
06/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77469	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX IC SYSTEM Re : Cease and Desist to IC SYSTEM and Debt Validation for Alleged account charter communications To whom it may concern, This letter is being sent to you in response to an alert on my consumer report I received on XX/XX/XXXX about an alleged account in which you claim I owe {$260.00}. I refuse ownership of this debt. You furnished this alleged debt without proper procedures I have received no notice of this debt with the ability to dispute this false debt Per the proper procedures stated in the FCRA. Be advised that your claim is disputed, this is a request for validation, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g, and the Fair Credit Billing Act, 15 USC 1666 et seq. This is not a request for verification or proof of my mailing address. It is 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 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 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, and Defamation of Character, violation of United States Code Title 18 Part 1 Chapter 63 1341 ( mail fraud ), violation of my privacy as a consumer, contacting me without my written permission, as well as, acquiring my location information. This debt is considered to be invalid, until I receive validation. 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 XXXX 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 10 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 is also a notice to cease all communication made by your offices to my home, phone, or to my place of employment. If your offices attempt to make 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. I need to receive the following documentation from you : XXXX. Validation of the debt ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Colorado State Statutes for Lawful Purposes. XXXX. A copy of the contract signed by both parties and therefore binding both parties. XXXX. Please provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability, and confirm that this note has never been sold. XXXX. Please also confirm the name of the individual, who is the daily authorized representative from your company, who has carried out due diligence, under The Money Laundering Regulations XXXX, and what actions he/she has taken, in relation to this account. I hereby give you ten ( 10 ) days from the above date, to reply to this notice with a written response/notice sent using recorded post, and signed under full commercial liability and penalties of perjury, assuring me and promising me that all of the replies given to the above requests are true and without deception, fraud or mischief. Failure to provide documentation within ten ( 10 ) days from the above date, to validate the alleged debt, will constitute your agreement to the following terms : That the debt did not exist in the first place. In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your XXXX company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you. This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication is to continue. You have broken the law and violated the FDCPA FCRA and my rights as a consumer under the FDCPA and FCRA. Each violation to their maximum amount is {$1000.00} per violation. You are to cease debt collection, communication and delete this inaccurate incomplete item from my consumer report within 5 days of receiving this letter or I will be suing to the fullest extent for emotional distress, defamation of character, actual damages, punitive damages, and every violation of the USC code you have violated against me as the consumer pursuant to 15 U.S. Code 1681n sincerely, XXXX XXXX
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 349XX	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 XXXXX	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 752XX	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
06/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95678	Web
Below is a written response Ive prepared for I.C. System Inc, a debt collector on behalf of XXXX XXXX XXXX XXXX I.C. System Inc., Im writing in regards to Ref XXXX and to dispute the entire amount of {$1600.00} XXXX XXXX XXXX XXXX is attempting to collect. I do not dispute residing at the address or that services were in my name, Im not sure why five zeros precede said account number, and I do strongly believe XXXX had a responsibility in ensuring the electrical service they supplied to the home were in safe conditions. On XX/XX/XXXX I took up residency at the above mentioned location, the outlet in my sons bedroom was faulty and needed to be serviced, shortly after that half the power in the home went out supposedly because we plugged in a humidifier when one of the kids were sick. In XXXX an outlet at the kitchen counter sparked and started smoking for no reason it wasnt in use. For 6 years the Wifi had an unstable connection according to our cable provider. In XXXX a brand new blender that was only used twice sparked and started smoking while my son was making a smoothie. From XXXX XXXX different XXXX vacuums XXXX blown out, The master bedroom lost power so often my beautiful vanity with XXXX touch dimmer lighting blew out. In XX/XX/XXXX the toaster sparked and started smoking, the clothes dryer constantly shorted out and would only work every other load, there was no cover plate on that outlet, nor was there one for the irrigation system in the garage for 5 years, the irrigation system never worked in six years either. If the treadmill was in use in the garage all power in the home above the garage was lost, that happened several times a week. If an air purifier was in use there was also a brown out in half the house. The entire HVAC system was faulty and ran overtime, yet we needed a cooler environment due XXXX and perennial XXXX and the home being so humid, in fact XXXX had a medical baseline form on file throughput the duration of our tenancy. It would later be discovered that in XXXX unpermitted work was performed on the HVAC system, the compressor in the yard and the evaporator coil in the garage were replaced but that particular evaporator coil had a known manufacturer defect and was recalled. On XX/XX/XXXX the dishwasher started smoking and almost caught fire around XXXX XXXX and I couldnt get it to turn off until the fire department was already en route, that smoke and burnt rubber/plastic smell burned our throats for at least three days. The first time the fire department came was when a carbon monoxide detector sounded move to fresh air XX/XX/XXXX. Half of the outlets in the house had been moved from their original location, either up down or to the left or right from where they originally were placed. In XXXX XXXX I called XXXX ( spoke to XXXX ) requesting them to come out and perform a safety inspection of the electrical panel and or system I was told they could not come out without landlord ( Invitation Homes ) approval because they could be sued, I was referred to XXXX XXXX department ( spoke to XXXX ) because I was income qualified, that department reached out to property management ( XXXX ) requesting approval and services were refused, XXXX also referred me to XXXX XXXX XXXXXXXX that also had a similar weatherization program and could possibly replace the HVAC system if allowed by property management, but those services were also refused. In XX/XX/XXXX property management sent a vendor that submitted an expedited work order which I will attach to inspect the electrical system because it posed serious risk of electrocution for occupants and children that work was refused. In the meantime Code Enforcement had come out to the home three times ( at my request ) from XXXX XXXX XXXX for issues ranging from plumbing, rodents/wildlife, dry rot/toxic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX come out there separate times for the smell of gas capping off a gas line at the water heater in XX/XX/XXXX because whoever converted it to electric didnt cap off the line, a hazardous XXXX yr. old stove in XX/XX/XXXX, and for the furnace in XX/XX/XXXX, in XX/XX/XXXX two different vendors turned off the gas line to the XXXX yr old furnace advising replacement. This electric bill had been certified with the XXXX XXXX program from XXXX, yet they never paid anything to XXXX or XXXX XXXX XXXX in two years the only utilities they paid were directly to property management for trash/sewer. The electric bill was also certified with XXXX but they didnt contact me until after I vacated stating they couldnt assist on a closed account yet it was active when I submitted it. I later found out XXXX XXXX XXXX XXXX does perform safety check inspections yet I was refused XXXX because they cared more about being sued by the landlord than the welfare of my children and I. On XXXX XXXX we vacated the house 8 days before planned and checked into a hotel because I could no longer stay or stand the conditions we were forced to live in for six years. I officially handed over keys XX/XX/XXXX We lived in XXXX different hotels for well over a month, yet I updated my address with XXXX so this bill wouldnt be sent to collections without my knowledge or a chance to explain our situation while we rebuild our lives and everything we lost. Thank you in advance for allowing me respond in writing. Kind Regards, XXXX XXXX
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55434	Web
IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : LAST 4 OF SOCIAL SECURITY NUMBER # XXXX To Whom It May Concern, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC sS 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title ; a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. The following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately. Inquiry Company Name : XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiry Company Name : XXXX Date of inquiry XXXX XX/XX/XXXX Inquiry Company Name : XXXX Date of inquiry : XX/XX/XXXX Inquiry Company Name : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX My identity has been stolen you are hereby put on notice Aggravated Identity Theft pursuant to 18 USC S1028A ( 1 ) IN GENERAL. Whoever, during and In relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 15 USC sS 1681b Permissible purpose 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. YOU XXXX, XXXX, XXXX have aided this fraud by not verifying these accounts. Congress states 15 USC sS 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 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. 1. The following account is due to identity theft Account Name IC SYSTEM INC Account Number : XXXX Please delete this item from my consumer report. 2. The following account is due to identity theft XXXX XXXXXXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 3. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 4. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 5. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 6. The following account is due to identity theft XXXXL XXXX Account Number : XXXX Please delete this item from my consumer report. 7. The following account is due to identity theft XXXX XXXX XXXX A Account Number : XXXX Please delete this item from my consumer report. 8. The following account is due to identity theft XXXX Account XXXX : XXXX Please delete this item from my consumer report. 9. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency 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 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately. I demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subjection, the consumer reporting agency shall ( A ) Disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681 ( d ) of this title ; and Be advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX Attorney Generals Office in your state and Mine Thank you, XXXX : XXXX XXXX Beneficiary Enclosed : copy of ID, Utility Bill showing proof of address, copy of statement for address proof. FTC Identity theft report with statement of fraudulent accounts/ inquires.
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 XXXXX	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.
03/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 362XX	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a agent, attorney in fact, so be it ; Whereas, I of age, of majority, give t XXXXXXXX XXXX XXXXXXXX and autograph as the his herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, t he Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of informatio files of consumer reporting agencies, and ; n in the Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated agai n due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged informa tion listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information b my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account Number:XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account NumberXXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceeding s. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2023 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein. I have not been presented with any affidavit nor any Commercial Affidavit/True Bill in Commerce which would validate your claims and/or Assessment. It is therefore, my best and considered judgment that no such documentation and/or Affidavit exist. If what you claim is based upon any substantiated and/or verifiable evidence, I demand that said evidence be produced and presented to me for my inspection. I further demand from your office a complete record of all books of accounting and legers evidencing any Loss or Harm sustained by your office for providing the undersigned with any alleged services, including but not limited to, any and all contracts compelling my performance in accordance with said contracts. Please take notice, I require that all contracts must bear my wet blue ink signature, seal, and be certified for my inspection. In the event of your failure to provide said documentation, this respondent demands that all alleged debts be properly recorded and officially acknowledged within your records and any other agencies as non-existent, including but not limited to, all debt collection and/or credit reporting agencies. If it be your offices ( or any agent acting on behalf of your office ) determined intention to Dishonor my wishes in this regard ( e.g. Persistence in extorting monies from me or my Estate ; in violation of Title 18 U.S.C 41, 872, 875, 876, 1341, 1346 ), I will be left with no other recourse except to file a Criminal Complaint ( via the Attorney Generals Office ), a report of Mail fraud ( via the XXXX ), and a Commercial Lien ( via UCC 1 Financing Statement ) against your office, as well as any and all agents acting in concert, jointly and severally in your office capacities as well as your private capacity. Any refutation of the aforementioned and/or the following issues must be done so, on and for the public record, in writing, by way of a sworn Affidavit, signed in the rebutting partys full XXXX/Family name XXXX under penalties of the Law, including but not limited to perjury. An assessment of {$5000.00} for each issue and occurrence of perjury, false, misleading, unproven statements, assertions or information shall be deemed due and owning upon the claimant. No other refuting documents will be accepted. Failure to respond within 21 calendar days will constitute a complete agreement and XXXX. The same under asseveration
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 331XX	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.
03/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 312XX	Web
I sent a debt verification letter on XX/XX/XXXX and XX/XX/XXXX and never got any type of response back. I have no knowledge of this company or this debt. This has been ongoing since XXXX. this debt account number per my credit report is XXXX in the amount of {$1600.00}. THIS IS THE COMPLAINT ACCOUNT XXXX XXXX XXXX XX/XX/XXXX I.C. System, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Dear I.C. System, INC : I am responding to your contact about a debt you are trying to collect. 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 iscurrently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide thename and address of the original creditor, the accountnumber used by that creditor, and the amount owed to thatcreditor at the time it was transferred. When you identify theoriginal creditor, please provide any other name by which I might know them, if that is different from theofficial name. In addition, tell me when the current creditorobtained 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 thecurrent creditor. For example, can you provide a copy of thewritten agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is orwas 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 theoriginal creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or chargesadded 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, feesor other charges are expressly authorized by the agreementcreating the debt or are permitted by law. If there have been any payments or other reductions sincethe last billing statement from the original creditor, providean itemization showing the dates and amount of each of them. If there have been any other changes or adjustments sincethe last billing statement from the original creditor, pleaseprovide full verification and documentation of the amountyou are trying to collect. Explain how that amount wascalculated. In addition, explain how the other changes oradjustments are expressly authorized by the agreementcreating 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 thestatute of limitations applicable to it? Tell me when you thinkthe 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 Idiscuss the debt with you. Does your firm have a debtcollection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, thelicense 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 telephonenumber 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. In addition to providing the information requested above, please letme know whether you are prepared to accept less than the balanceyou are claiming is owed. If so, please tell me in writing your offerwith the amount you will accept to fully resolve the account. Thank you for your cooperation Sincerely, XXXX XXXX
03/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 801XX	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 )
05/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 40741	Web
The account on file is on behalf of XXXX XXXX XXXX XXXX XXXX. It is showing on my credit report with IC Systems Collections. On multiple occasions myself and my husband were told we did not have anything further that was due or any equipment to turn in for multiple reasons. Once my account was terminated they then told me I owed the amount shown. I tried multiple times to discuss this with them and have them listen to the phone calls that are supposedly recorded as proof and they refused, said I lied and told me I owed this amount. There should be multiple recordings of them advising I couldnt turn in equipment due to covid and then when I completely cancelled all services with them I specifically asked if I showed anything else due and was told no. Also set up a pickup time to pickup the remaining equipment I had and he never actually picked it up. I have dates that can be provided for most things as needed. And on top of that, I never once agreed to pay IC systems anything. I dont owe that company, or the one they represent anything. During covid I called XXXX to cancel our cable. We were advised that due to covid there were no drop off locations open or available to return our equipment to and they were not taking back equipment. Due to covid. Aside from one box and remote, out of 4 I had in my home, the other 3 stayed in my phone from that time until I cancelled our internet. I dont have the exact date that the cable was cancelled, but can probably find out if needed, although it should be on file with the company. At no time during this period did I receive any bill or communication requesting their equipment back for the cancelled cable. Then on XX/XX/2022 I called to cancel our internet service with them as we had changed providers. Before I ended the call with him I asked, do I show that I owe anything else at all. I was placed on a hold and he came back and said I showed nothing else outside of the internet modem and I had 14 days to return it. Then on XX/XX/2022, my husband returned the modem to a local store and was told that we still showed other equipment out there that needed to be returned. He informed her of what we were told and she told him that was not the case and their office was never closed. EVERYWHERE closed at some point during covid. Her name was XXXX at the XXXX ky office. I reached Out to customer service multiple times after this and provided them with dates, context of the conversations and what was told and asked that they listen to the recordings of the phone calls because I no longer had the equipment they were asking for, with the exception of 1 box and remote, that was upstairs in a kids room. When youre told twice that you have nothing left showing to return why would you continue to keep those items just sitting in your house? They refused and just kept telling me it was owed. I then set up and appt for a local person to come to my house around the end of XXXX, sorry I dont Remember the exact date, but I do know it was scheduled on XX/XX/XXXX for him to come to my home and pick up the remaining box and remote I had, to be set out on my porch for him to pick up. That box and remote is STILL sitting on my back porch to this day, over a year later. I also Offered to pay for the box and remote that I got Rid of before completely cancelling my entire account with them to cover that, and that was also not acceptable. At this point, I am Still willing to return the box I have At my home and pay for the box and remote I got rid of after the first time I was Told I didnt Have to return anything, even though, I was Told I didnt Have to as all locations were closed. I was Then also told that when I spoke With someone on one occasion that the gentleman I spoke With on XX/XX/XXXX couldnt see my whole account then why place me on hold to check and see if I show That Im owed anything else. They have been beyond unhelpful in this entire process even after trying to work with them in multiple ways, and now they have turned an account over to a collections company which is negatively affecting my otherwise good credit. I have Never once had any issue like this with any other company and when I can Give you dates that I was Told certain information to verify what I was Told and you refuse to listen and say that I would never have been told that is a terrible way to handle things.
03/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30315	Web
I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that I C SYSTEM had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XXXX with a balance of {$660.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail orpackage because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. IC SYSTEMS XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota, XXXX XXXX
02/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SD 570XX	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
12/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73069	Web
Wrongfully assigned debt based on negligence of customer service employee. DEBT COLLECTOR has violated my consumer rights. I am exercising my rights as a consumer. I do not know who this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which came through the mail. This company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. I am federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt DEBT COLLECTOR are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact ORIGNAL CREDITOR has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact DEBT COLLECTOR Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact ORIGNAL CREDITOR Fact Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact DEBT COLLECTOR are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 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. ( 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. Fact DEBT COLLECTOR In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( 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. ( 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 Fair Debt Collection Practices Act ( FDCPA ) XXXX of this title for failure to comply with a provision of this subchapter. Fact DEBIT COLLECTOR are liable for { {$1000.00} } per Violation that has been violated in this Act Pursuant to Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding { {$1000.00} }.
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
09/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18702	Web
I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit. The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated. 12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information. Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection. I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person. 12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means. The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value. 12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company. 12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts. Company did not validate the debt and send the entire purchase agreement to me, the consumer. 15 U.S. Code 1692h - Multiple debts. Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail. 12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions. 12 CFR 1006.38 - Disputes and requests for original-creditor information. UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. I have already stated the reason above. 12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 5 U.S. Code 552a - Records maintained on individuals. I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
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.
12/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 210XX	Web	Servicemember
I am disputing a {$580.00} charge from XXXX who have been sending me a bill for a XXXX account I NEVER activated. I received a bill from the company every month for three months until it was sent to debt collections. Every month I received the bill I would call XXXX, the technician would confirm that I never activated the lines and that they would take care of closing the account and that no money was owed, only to receive another bill with a late charge the following month. Here is the complete story : I was interested in switching phone companies back in XXXX from XXXX to XXXX. I received " cards/chips '' from XXXX that were to be put into our cell phones when we were ready to activate then, I was clearly instructed not to cancel my current XXXX account until we activated the " cards/chips '' into the phones, but they did not send all the cards for the XXXX lines and when they told us to go to a XXXX store I said that wouldn't work because my elderly parents were out of state and I wouldn't be able to get them to a store, so I said forget it, I don't want to switch to XXXX, in which they said XXXX okay, we will keep this account open just in case you change your mind but you won't be charged anything ''. Sure enough, I received a bill the following month for {$300.00} for all the lines. When I called XXXX, they said " hmm, that's strange because we usually cancel with the other phone providers when you switch to us but since we can confirm you never activated these lines we will take care of this charge and close this balance ''. One month later, another bill with a late charge. I call again to both request to close whatever account is open and causing this problem and to see why the balance was not settled. Their response " hmm, let me put you on hold '' I wait on hold, the technician then says " yes I confirmed with our staff you did not activate these lines and I see notes here that there was an issue we were supposed to reach out to you but the technician didn't but I will take care of this and you will see a credit for {$250.00} because that's the max I can credit a month but don't worry the following month the rest of the balance will be paid I assure you ''. By XXXX, I get XXXX ( military ) only to come back a month later to a letter from a debt collector and XXXX will no longer take my calls. The debt collectors are now just essentially demanding {$580.00}. I called the debt collectors initially, they said they will only take a statement in the mail disputing the charge because I am from the state of XXXX, then they will reach out to XXXX and we should hear back within XXXX days. So I sent them a statement last week and called them today to confirm if they received my letter in the mail. The debt collectors responded with " yes and XXXX proved you owe the charge so how would you like to pay today? ". I challenged this, I said you told me last week it would take XXXX days how have they already received my letter in the mail from last week and responded? '' She then said " Oh you sent the letter last week? In that case we haven't received your letter yet but I am confused because XXXX already proved you owe the amount '' I then said " Is it just a bill? '' She said " Yes '' and I said " how does that prove anything they send me that bill every month? ". She told me to just wait and call back next week and she would speak to the XXXX. At this point I was now not trusting the debt collectors, and saw on the letter from the debt collectors that I could review the statement on their website. When I went to the website It would not let me view anything and said that they received my dispute, verified the charge and have sent it to the XXXX credit bureau. I was beyond furious obviously. I called the debt collectors back, spoke to someone else, who claimed there was a double dispute on the file and to call back next week. I am literally praying that all the phone recordings from XXXX and the debt collectors are available somehow. I don't understand how I owe XXXX money for an account they repeatedly verified every month that I called them that I did not owe. Thank you in advance for your time and support.
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 656XX	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 713XX	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.
03/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 312XX	Web
I sent a debt verification letter on XX/XX/XXXX and XX/XX/XXXX and never got any type of response back. I have no knowledge of this company or this debt. This has been ongoing since XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Dear I.C. System, INC : I amrespondingtoyourcontactaboutadebtyou aretryingtocollect.Pleasesupplytheinformation belowsothatIcanbefullyinformed : WhyyouthinkIowethedebtandtowhomIoweit, including : Thenameand addressofthecreditortowhomthedebtiscurrentlyowed, theaccountnumberusedbythatcreditor, andtheamountowed. If thisdebtstarted withadifferentcreditor, providethenameand addressoftheoriginal creditor, theaccountnumberusedbythatcreditor, and theamountowedtothatcreditor at thetimeitwastransferred.Whenyou identifytheoriginal creditor, pleaseprovideanyother namebywhichImightknowthem, ifthatisdifferentfromtheofficialname.Inaddition, tellme when thecurrentcreditorobtained thedebtand whothecurrentcreditorobtained itfrom. Provideverification anddocumentationthatthereisavalidbasisforclaimingthatIamrequired topaythedebttothecurrentcreditor.Forexample, canyouprovideacopyofthewritten agreementthatcreatedmyoriginalrequirementtopay? Ifyouareasking thatIpayadebtthatsomebodyelseisorwasrequiredtopay, identifythatperson.Provideverification anddocumentation aboutwhythisisadebtthatIamrequiredtopay. Theamountand ageof thedebt, including : A copyofthelastbilling statementsenttomebytheoriginal creditor. Statetheamountofthedebtwhenyouobtained it, and when thatwas. If therehavebeen anyadditional interest, feesor chargesadded sincethelastbilling statement fromtheoriginal creditor, providean itemization showing thedatesandamountofeach added amount. In addition, explainhowtheadded interest, feesorotherchargesareexpressly authorizedbytheagreementcreatingthedebtorarepermittedbylaw. If therehavebeen anypaymentsorotherreductionssincethelastbilling statementfromtheoriginal creditor, providean itemizationshowingthedatesandamountofeachof them. If therehavebeen anyotherchangesor adjustmentssincethelastbilling statementfromtheoriginal creditor, pleaseprovidefullverification anddocumentationof theamountyou are tryingtocollect. Explainhowthatamountwascalculated. In addition, explainhowtheother changesoradjustmentsareexpresslyauthorizedbytheagreementcreating thedebtorpermittedbylaw. Tellmewhen thecreditorclaimsthisdebtbecamedueand whenitbecamedelinquent. Identifythedateofthelastpaymentmadeonthisaccount. Haveyoumadeadetermination thatthisdebtiswithin thestatuteof limitationsapplicableto it? Tellmewhenyouthinkthestatuteof limitationsexpiresfor thisdebt, andhowyoudetermined that. Detailsaboutyour authoritytocollectthisdebt. I would likemoreinformation aboutyour firmbeforeIdiscussthedebtwithyou.Doesyour firmhaveadebtcollection licensefrommystate? Ifnot, saywhynot.Ifso, providethedateofthe license, thenameonthelicense, thelicensenumber, and thename, addressandtelephonenumberof thestateagencyissuing thelicense. Ifyouarecontactingmefromaplaceoutsidemystate, doesyour firmhaveadebtcollection licensefromthatplace? Ifso, providethedateofthelicense, thenameonthelicense, the licensenumber, andthename, addressandtelephonenumberof thestateagencyissuing the license. IhaveaskedforthisinformationbecauseIhavesomequestions.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. In addition to providing the information requested above, pleaseletmeknowwhetheryou arepreparedtoacceptlessthan thebalanceyou areclaiming isowed.Ifso, pleasetellmeinwritingyourofferwith the amount you willacceptto fully resolve the account. Thank you for your cooperation Sincerely, XXXX XXXX
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 XXXXX	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
06/30/2023	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	AL 366XX	Web
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. As per FDCPA, you are required to provide this validation of debt within 30 days of receiving my written request. I believe that you, as well as ORIGINAL CREDITOR, whom I originally entered the contract with, are violating 1692g by submitting incomplete information again to my credit report. This is a severe violation of THE FALSE CLAIM ACT, and I urge you to correct this immediately. Moreover, I would like to bring to your notice that XXXX did not adhere to the law of 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( F ), which includes an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period, which began on XX/XX/XXXX, and ended on the later of 120 days after XX/XX/XXXX, or after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action. reporting company 's investigation into an existing problem I hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your credit bureau, specifically regarding my accounts with XXXX, XXXX, and XXXX. As per my records, The date opened wrong, date last active, payment history, and date last reported are inaccurate across all three bureaus. It is crucial to report the most up-to-date and accurate information to ensure the integrity of my credit profile. Moreover, I would like to bring to your attention that the reported payment history is reflecting a charge-off status for each month. However, this is inaccurate as these accounts are collection accounts, not charge-offs. As per the Fair Credit Reporting Act ( FCRA ) guidelines, it is essential that the information reported on my credit report is correct and reflects the accurate status of the accounts. I want to emphasize that a collection account balance can not be reported as {$0.00}. I kindly request that you rectify these inaccuracies and report the correct information in a timely manner. I urge you to adhere to the guidelines outlined in the 15 U.S. Code 1681s2, which states that furnishers of information to consumer reporting agencies must provide accurate information and refrain from reporting inaccurate information. To facilitate your investigation, I am enclosing a copy of my credit report from your credit bureau. It highlights the discrepancies mentioned above and includes your company 's information showing the inaccuracies. I trust that this will assist you in rectifying the errors promptly. It is essential to rectify these inaccuracies, as they may give the impression of fraudulent activities to lenders when they view my credit profile.
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 832XX	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.
01/26/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75216	Web
I checked my three credit reports and found an assumed collection account from I.C. SYSTEM, INC with different opening dates, balances, and/or last date of activities for this same exact account number. I have never had an account with this company nor received any type of first notice of debt including rights to dispute from this company. XXXX XXXX XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents states that 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 ( 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. XXXX XXXX XXXX definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. My credit reports also show that I.C. SYSTEM, INC has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. My XXXX, XXXX, and XXXX credit reports all show different open dates, balances, and/or last date of activities for this same exact account. This is erroneous and flawed reporting that is listed on my credit reports. Not only did this company not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my 3 credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. Please remove this account from my credit reports immediately. It is not my duty to provide evidence that this alleged debt is not mine. It is the obligation of the debt collector to provide evidence that they can lawfully collect on any alleged debt, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been unsuccessful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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.
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 190XX	Web
NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( 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. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations 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 : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 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 ) 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}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
07/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 300XX	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.
02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85143	Web
Long-standing issue with original creditor ( XXXX XXXX XXXX XXXX regarding a " delinquent '' account after repeated and frequent open communications. -- Waiting an extended amount of time from XX/XX/XXXX until XX/XX/XXXX for the leased equipment to be investigated and successfully found, led to the account being put into delinquent status despite promises that it wouldn't because " there is an escalation ticket open in the system '' after I explicitly stated " I don't want the account to be sent to collections because we are waiting for your internal processing '', and the original creditors billing system sent the " debt '' to the collection agency " I C Systems ''. -- XXXXXXXX XXXX agent was " surprised '' that the system did this, and informed me that my debt was " in limbo '' and nothing could be done, including making a payment, until the collection agency updated their records. -- Months passed and finally records updated and was shown on my credit reports through XXXX -- On XX/XX/XXXX I made contact with the original creditor after no changes to my credit reports regarding debt owed to " I C Systems ''. I paid an additional amount of {$120.00} for the " remaining account balance owed '' directly to the original creditor and was told " the account balance is {$0.00}, paid in full, and " I C Systems '' would be notified of revocation of their ownership of the debt, and the derogatory marks to be removed from my credit reports ''. Payment Confirmation number was provided and documented. -- After disputing the debt with " I C Systems '' directly through XXXX on XX/XX/XXXX with the original creditor payment confirmation and detailed notes, the updated total balance owed to " I C Systems '' is now showing {$130.00} -- After speaking again with the original creditor again today on XX/XX/XXXX, with both the customer service & collection departments , they are now stating that there's a balance of {$130.00} due to unreturned equipment. I was advised that because the account is closed that they are unable to view account notations or the original prepaid shipping label for internal tracking, but would've been able to if the account was open/active. I've even included a photo showing the device and accessories returned in the prepaid box prior to affixing their prepaid shipping label. -- I have escalated the manner internally with XXXX and they're performing an " investigation & inventory count '' once again, and was provided a ticket number. -- I was responsible and never late with any payments during my tenure as a customer, although the system reflects I was late in the end after the creditors promises were broken. I've asked for documentation besides confirmation numbers but have been declined repeatedly. -- I can't logically understand XXXX XXXX systematic procedures or protocols, especially with frequent open communications, regarding equipment returns and tracking. They have data to aid in the internal search of the equipment, but no access to it. The resulted " finger pointing '' and back & forth status changes are unnerving. -- I'm exhausted in waiting and trying to resolve the manner while my credibility is damaged simultaneously affecting my opportunities and finances. -- I don't think I should be liable and " cave-in '' for yet another additional payment due to their problematic procedures, broken promises, and poor equipment logistics when I've already lost time, credibility and been in continued distress. -- I'm just a student trying to better myself and doing what's proper and fair, but I'm left feeling completely manipulated.
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.
08/24/2023	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 Problem with personal statement of dispute	TX 76001	Web
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 Bureaus, 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 regarding the following account numbers : SEE ATTACHED DOC* Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. 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 : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. 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,
10/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 398XX	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
09/10/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29615	Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX and/or XXXX XXXX are demanding {$2100.00} It is proven I.C. System Inc is a corrupt debt collection company that does not provide authorized representatives when aiming to negotiate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are debt collectors XXXX I.C. System Inc. XXXX XXXX XXXX XXXX XXXX President/CEO XXXX XXXX XXXX are demanding a debt on behalf of XXXX. ( XXXX closed their business in XX/XX/XXXX ) My name is spelled incorrectly on the letters presented by XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX are debt collectors XXXX I.C. System Inc. I have not received goods or services from I.C. System Inc. Under usual circumstances I would formerly request for the original creditor in this case to provide contractual agreements stating the exchange of goods or services provided to me ; along with a permissible purpose to I.C. System Inc. releasing my private information. ( XXXX closed their business in XX/XX/XXXX ) I.C. System Inc. is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. With proof of return receipt XXXX XXXX XXXX XXXX XXXX XXXXXXXX and/or XXXX XXXX received my validation notice via USPS mail. XXXX XXXX XXXX XXXX XXXX XXXXXXXX and/or XXXX XXXX are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I do not agree to pay/tender anything to I.C. System Inc., on behalf of XXXX, closed their business in XX/XX/XXXX. I am not a party to any agreements I.C. System Inc may or may not have with XXXX, closed their business in XX/XX/XXXX. I am not responsible for I.C. System Incs purchase / transfer from XXXX, closed their business in XX/XX/XXXX or any known affiliates. Note : as stated in the validation notice provided to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and/or XXXX XXXXXXXX XXXX debt collectors for I.C. System Inc. ( Tracking info attached ) I.C. System Inc. stated XXXX ( closed their business in XX/XX/XXXX ) placed their past due balance for account number *Redacted in their office. XXXX closed their business in XX/XX/XXXX. Who placed this account with I.C. Systems Inc, who authorized the use of my social security number to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and/or XXXX XXXX? During the validation process I.C. System Inc., failed to verify this debt belongs to me. ( See their letter dated XX/XX/XXXX. I.C. System Inc., flagged my credit files on XX/XX/XXXX stating account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and/or XXXX XXXXXXXX XXXX debt collectors for I.C. System Inc are the prime example of how debt collectors abuse their authority in efforts to force consumers to pay debts that they have no first -hand knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX debt collectors for I.C. System Inc does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. I.C. System Incs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. I have included all proof in the attachments.
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.
10/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
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 since your offices have reported inaccurate and invalidated information to several credit bureaus including XXXX, XXXX, XXXX XXXX, XXXX, and XXXX, this action constitutes as identity theft fraud under both federal and state laws. Due to this fact, this is my official notice of intent to sue for negative marks that have been found and are currently reporting on my consumer reports by your company or the company you represent. I am bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act 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. 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 closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. In addition, I am formally requesting {$5000.00} for the violations. It would be advisable that you and your client assure that your records are in order as I am now taking 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 since legal action is 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.
01/20/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web
To Whom It may concern I have a complain that is causing my credit standing a lot of financial duress and financial paint to my credit status. I can not begin to tell you what I am going through. My Name is XXXX XXXX XXXX address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My Last SS # XXXX XXXX XXXX I have been with XXXX for over 7 Years with internet and Cable currently I pay over {$800.00} for 5 accounts monthly for both my home and businesses refence accounts below. About little over two years aga a XXXX sale rep called me to change my current cable to XXXX business and stated that XXXX business and XXXX are one company. That is just like transferring you account to a better service and made it clear to me that there will not be a early termination on the account. Which is two of my business account.so I switched these two accounts to XXXX business. Mind you this another tactic of locking you for mu extended contract After I switched these two accounts as reference below, my account is on auto payment XXXX took {$100.00} for early termination fee and the other one XXXX for early termination fee. I have been calling and talking to an agent to credit me back my money. XXXX business said this not with them that I should keep calling XXXX which I did at one point they said that they will credit my payment account which I never received. Moreover, they also stated that as far you have service with the which is my home XXXX account I will not be charge a early termination. To top it all off I have XXXX XXXX agent keep calling me to pay a {$55.00} due to the account of which they claim I have paid {$2.00} which I never did. That is even what making me think that I.C System Inc is a fraud, until they reported it to my credit account. The Balance the I.C System Inc claim I owe them now is {$53.00}. I have the billing if needed Account Ref # with I C System XXXX XXXX I have explained all this to XXXX XXXX, XXXX and I. C System Inc going on 2 years, XXXX always say call XXXX to resolved and XXXX agent plays they do not understand in most of the time hang up on me, other time transfer me to a supervisor then to another supervisor then tell me I will call you back. At the end one supervisor did say I see the issue and will refund you money back to the account you payed and resolve the issue with XXXX, which got me relax. Today I am writing this complaint because I never got my refund XXXX collection agent issue was not resolve it escalate to it being reported on my credit account in which downgraded my credit score in both XXXX and XXXX XXXX XXXX. What I want is the have this issue resolve with my credit report accounts, refund my monies and what else you deem applicable. Please I can Be reach By email, Mail XXXX cell for any questions. Sincerely XXXX XXXX. Cell # XXXX Email : XXXX PS : Please reference all accounts below. XXXX Account My home Account number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Business Account XXXX XXXX XXXX XXXX Billing Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Billing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Billing Address : XXXX XXXX XXXX XXXX XXXX XXXX This account Old account # from XXXX was # XXXX With a credit of {$100.00} Insight XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Billing Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX This old account was XXXX with a credit of XXXX
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 339XX	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.
06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75126	Web
I am writing to express my deep frustration and file a formal complaint regarding the reappearance of a previously paid and cleared XXXX bill on my credit report. This matter has already been addressed, settled, and removed from my credit report in the past, and it is highly concerning that it has resurfaced without any prior notice or opportunity for me to dispute it. On XX/XX/2021, I decided to switch from XXXX to XXXX XXXX XXXX due to consistent issues with XXXXXXXX XXXX customer service XXXX In order to port my number over to XXXX XXXX XXXX, I was required to settle my final bill with XXXX XXXX Consequently, on XX/XX/2021, I made the payment to a XXXX representative using two separate cards : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX This was done as the representative insisted that my initial card was not going through, resulting in the utilization of the additional card. To my surprise, after the portation process was completed, I discovered that I had been double-charged. As a result of this unauthorized double charge, I had to dispute the transaction with my bank to retrieve the excess amount. Fortunately, the dispute was resolved in my favor, and the funds were returned. Subsequently, I provided the necessary evidence to XXXX, demonstrating the erroneous double charge, resulting in the removal of the charge from my account and the closure of the matter. However, I am now dismayed to discover that, XXXX years later, this paid and cleared bill has reappeared on my credit report, courtesy of IC System Collection Agency, without any prior notification or opportunity for me to dispute it. This is a clear violation of the new law that requires collection agencies to provide proper notification to allow individuals to dispute erroneous debts before placing them on their credit reports. I must emphasize that I have previously taken action to rectify this issue. I have filed complaints with all three major credit bureaus and the Consumer Financial Protection Bureau ( CFPB ) to ensure that this matter was addressed and resolved appropriately. The fact that I am revisiting this matter, which has already been settled, is not only frustrating but also reflects a disregard for my rights as a consumer. Considering the previous legal actions I undertook, including a successful lawsuit against XXXX, it is perplexing and highly disappointing that this issue has resurfaced. I demand an immediate resolution to this matter, which entails : The removal of the erroneously reinstated XXXX bill from my credit report. Confirmation in writing that this matter has been resolved and that my credit report will reflect the accurate information. An apology for the inconvenience, stress, and time wasted in having to address this matter once again. I expect a swift and satisfactory resolution to this issue within [ reasonable timeframe, e.g., 14 days ] from the date of this letter. Failure to comply with this request will leave me with no choice but to escalate this complaint to higher authorities and seek further legal recourse to protect my rights. As a consumer who believes in fair treatment, I trust that IC System Collection Agency will handle this complaint with the utmost urgency and seriousness it deserves. I anticipate a prompt resolution and a written confirmation of the actions taken. Thank you for your attention to this matter. Yours sincerely, XXXX XXXX
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 XXXXX	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.
05/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33334	Web
Subject : Complaint Against I.C. System, Inc. Regarding Unfair Debt Collection Practices I am writing to file a formal complaint against I.C. System, Inc. regarding their egregious and unlawful debt collection practices. Despite my attempts to resolve the matter directly with the company, I have encountered multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and believe it is necessary to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and intervention. My complaint pertains to the following violations committed by I.C. System, Inc. : 1. Communication Tactics : I.C. System, Inc. has engaged in relentless and intrusive communication tactics by repeatedly calling me, even after I explicitly requested that all communication be conducted in writing. These incessant phone calls have caused significant emotional distress and created an atmosphere of harassment. Furthermore, during these calls, their representatives have resorted to using abusive and offensive language, which is completely unprofessional and unacceptable. 2. False Representation : The company has made several false statements and misrepresentations in an attempt to collect a debt that I do not owe. They have falsely claimed to be lawyers or government officials, thereby misleading and intimidating me into making a payment. Such deceptive tactics are in direct violation of the FDCPA and undermine consumer rights. 3. Attempts to Collect Debt Not Owed : I have never received any written notification regarding the alleged debt until recently, leaving me unaware of my right to dispute the debt. Furthermore, I was unaware of my right to request validation of the debt until conducting independent research. I.C. System, Inc. attempted to collect a debt without providing the necessary information and documentation to substantiate its validity, which is a clear violation of the FDCPA. 4. Insufficient Information to Verify Debt : Even after receiving the notification, I found the provided information to be inadequate for me to verify the alleged debt. The company failed to provide the amount of the debt, the name of the original creditor, verification or proof of the debt, and their authority to collect it. This lack of documentation raises doubts about the legitimacy of the claim and reinforces my belief that I do not owe the alleged debt. Given these violations, I am seeking the intervention of the CFPB to address this matter and take appropriate action against I.C. System, Inc. I request a thorough investigation into their practices and enforcement of the necessary measures to ensure compliance with the FDCPA and other applicable laws. Enclosed with this complaint, please find copies of any supporting documentation, such as call logs, correspondence, and any other relevant evidence that substantiates my claims. I am more than willing to provide any further information or assistance necessary to facilitate a prompt investigation into this matter. I trust that the CFPB will handle this complaint with the utmost seriousness and work diligently to rectify the situation. I request regular updates on the progress of the investigation and any actions taken in response to this complaint. Thank you for your attention to this matter, and I look forward to a swift resolution. Sincerely,
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 981XX	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.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 701XX	Web
I am not liable for the debt with defenders I.C. System INC the company did not provide the ORIGINAL contract with my SIGNATURE as I requested. According to the XXXX I. C. System INC IS NOT AUTHORIZED to collect any debts in the state of TEXAS. 15 US code 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 US code 1692 ( C ) 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 15 US code 1692 ( f ) ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 US code 1692 ( G ) 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 15 US code 1681 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. 15 US code 1681B 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 US code 1682 ( C ) ( 2 ) A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that 15 US code 1681 ( S ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. I have also filed a complaint with the XXXX XXXX XXXX see attached documents. I have also attached proof that this company is not licensed to collect any debt in the state of Texas.
08/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 122XX	Web
XXXX XX/XX/XXXX XX/XX/XXXX I.C. System Inc. keeps submitting fraudulent " debt collection '' against my credit reports ( XXXX, XXXX, XXXX ). XXXX, XXXX and XXXX all took off the fraudulent collection status from XXXX and they took it off again XX/XX/XXXX but then it looks like I.C. System Inc. resubmitted the collection again to XXXX who reasserted the collection status against my credit record. The account charge is from XXXX XXXX who I called and affirmed that they have no record of my account with them ever being passed due. The name for the bill is " XXXX XXXX '' and that person is not me and has never been an alias for me nor has ever been a legal name of me. That person happens to have used a partial address as where I reside and I.C. System Inc. has associated my name and phone # with that name. They have refused to remove the association with my name despite agreeing that the default account the credit agencies having agreed that the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so possibly XXXX ) is not an account associated with me at all. All three credit agencies removed the collection status and do not have XXXX as an alias for me. My request is for I.C. System Inc. to stop associating " XXXX XXXX XXXX '', " XXXX XXXX '', " XXXX XXXX XXXX XXXX and variations of that name ) with my credit history, phone number, and personal identifying information AND to STOP submitting collections against my credit that are not mine and specifically stop submitting collections and debts attributed to XXXX ( and variations of that name ) against me. The multiple submissions against me is harassment since I have contacted I.C. Systems Inc. 3 times and contacted all three credit agencies and XXXX who all agree that person and the debts are not mine. Note : XXXX, XXXX, and XXXX took off the collection as of XX/XX/XXXX and t hen XXXX reposted the collection status on XX/XX/XXXX. It is unreasonable to have to check and dispute this charge every couple of days and causing me material harm in gaining credit and paying hire interest on credit. I talked to I.C. Systems Inc. XXXX times ( XXXX XXXX, XXXX? XXXX XXXX?, XXXX XXXX ) and the last time on XX/XX/XXXX at approximately XXXX AM, when I asked XXXX XXXX if he can officially disassociate my identity and phone # from the " XXXX '' collections, he stated that I would have to contact the credit agencies. I conveyed that I had already done that and he said " You are asking me to contact the credit agencies for you. '' and I said, " No that is not correct, I have already contacted them and they took off the collection and now your company has fraudulently resubmitted a collection claim against me. If you do not stop then I'll have to contact the Consumer Finance Agency and report you but I'd like to handle this with you directly. '' XXXX then said " .... I am going to hang up on you '' and hung up. I talked to XXXX XXXX times. All three times they were polite and helpful and acknowledged all my accounts with them are in good standing and have never been in collections. XXXX opened up an investigation on the issue and found in my favor but their Collection Agent ( I.C. Systems Inc. ) continues to harass me. XXXX advised that I contact ConsumerFinance.gov to get them to stop because the harassment is illegal.
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
07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45373	Web
Hello, I am writing in response to a debt you guys claim I own. I do not believe that I owe this debt or what you say I owe and want some more explanation on it. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? It states that if you can't provide the proof that I am requesting below, then this account must be deleted. I want this account deleted from all 3 credit bureaus if it has been sent to them, if not I want you guys to cease collection if you can not give me my request in this letter and to be emailed/mailed proof of deletion if ALL the information is not 100 % and correct. Under the " Fair Credit Reporting Act '' where it states By Law, I have the rights to challenge anything I am not sure is accurate. This is an account that I do not recognize. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts, I respectfully request that you provide me with the following : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that you are licensed to collect debts in the State of Ohio 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. The amount of the debt and name of the original creditor 7. Your license numbers and Registered Agent or Agent of Service. Please respond with ALL of the information that I requested above. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights, because I have disputed this debt in writing, you must obtain verification of the debt or a copy of the judgment against me, and any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I am and will be keeping accurate records of all correspondence from you and your company, including recording all phone calls and emails/texts I have gotten or will get, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX . I have disputed this debt therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, and your failure to comply with the FDCPA, I will inform my lawyer and request that the case be pursued further along with contacting the FDCPA, Attorney General 's Office, and ALL Credit Bureau 's. Thanks.
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
05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33317	Web
I am writing to file a formal complaint against I.C. System, Inc regarding their unfair debit collection and reporting practices. The details of the complaint are as follows : 1. Account Information : - Name of Financial Institution : I.C. System, Inc - Account Number : XXXX - Date open : XX/XX/2021 XXXX. Description of the Incident : I have been subjected to unfair and aggressive debit collection practices by I.C. System, Inc. Despite my attempts to resolve the issue, the company has continued to engage in unethical practices, which I believe are in violation of consumer protection laws and regulations. a ) Harassment : The representatives of I.C. System, Inc have repeatedly contacted me at inappropriate hours and used aggressive language during their communication attempts. This behavior has caused significant distress and XXXX. b ) Inaccurate Reporting : The company has erroneously reported the debt in question to credit reporting agencies, damaging my credit score and making it difficult for me to obtain credit or secure favorable interest rates. Despite my efforts to dispute the inaccurate information, the company has failed to correct the reporting error. c ) Lack of Verification : I.C. System, Inc has failed to provide adequate verification of the debt when requested. Despite my numerous attempts to obtain relevant documentation to support their claims, the company has not provided the necessary evidence to substantiate their collection efforts. 3. Attempts to Resolve the Issue : I have made multiple attempts to resolve this matter directly with I.C. System, Inc. I have explained my concerns and requested that they cease their unfair collection practices, correct the inaccurate credit reporting, and provide proper verification of the debt. However, their responses have been dismissive and unsatisfactory. 4. Requested Actions : I kindly request the following actions be taken in response to this complaint : a ) Investigation : Conduct a thorough investigation into the unfair debit collection and reporting practices employed by I.C. System, Inc. b ) Remedial Measures : Ensure that I.C. System, Inc ceases its aggressive and harassing collection efforts, and take appropriate action to correct the inaccurate credit reporting. c ) Enforcement of Regulations : If violations of consumer protection laws and regulations are found, I request that appropriate enforcement actions be taken against I.C. System, Inc. d ) Compensation : In light of the distress caused by the unfair collection practices and damage to my credit score, I request fair compensation for the harm incurred. 5. Supporting Documents : I have attached copies of relevant documents, including correspondence with I.C. System, Inc E, credit reports reflecting the inaccurate reporting, and any other pertinent evidence that may assist in the investigation of this complaint. I appreciate your attention to this matter and your dedication to protecting consumers from unfair practices. I look forward to a prompt resolution and your response within 30 days, as stipulated by the Consumer Financial Protection Bureau guidelines. Thank you for your assistance in this regard. Please feel free to contact me if you require any additional information.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33411	Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX} ORIGINAL CREDITOR- XXXX 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 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 be reported 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 -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 can provide the proper documentation as requested in the following declaration, I will require XXXX days to investigate this information and during such times 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 a 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 XXXX 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 XXXX 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 ORIGINAL 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. XXXX that this debt was assigned or sold to collector. Complete accounting of alleged debt. Any and ALL payments made to original creditor towards debt and what each payment went towards XXXX for debt collector if collection efforts are successful.
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
11/01/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 77388	Web	Servicemember
I opened a XXXX account in XX/XX/XXXX. In XXXX of XXXX, a phone ( XXXX XXXXXXXX XXXX ) I ordered had been stuck in transit, sitting at a local XXXX for 3 weeks. XXXX told me they would be turning the phone around in transit and shipping it back to their warehouse. One Phone ( XXXX XXXX ) I ordered came but had taken 5-6 weeks as well and I was not happy with XXXX at this point. I called and canceled service and shipped the phone that had arrived ( XXXX XXXX ) back to them. I called in XX/XX/XXXX after receiving a notification about the phone ( XXXXXXXX XXXX ) they had to turn around because it had been stuck and sitting at XXXX for 3 weeks. They told me their own tracking showed the phone had made it safely back to their warehouse but they could not locate it themselves to scan it in and to call back in a month. I asked " what if this charges me {$1500.00}? '' The customer service rep told me she would remove my payment information because " You do not owe this and you can not remove payment information if there is a balance on an account such as this ''. She removed my payment information. I called back in XX/XX/XXXX to check and was told by the gentleman that they have sent this to a supervisor because once again, I am told this is their fault they lost the phone again but this time in their own warehouse. I was asked again to call back the next month to check. I asked this gentlemen " what happens if this never comes off. What happens if this hits my credit? '' He replied " hmmmm you're right, that would be bad, I'll have a supervisor call you. '' NO ONE EVER CALLED ME. I call back XX/XX/XXXX, again, same story, profuse apologizing, sending to supervisor, telling me " I'm so sorry, I do see the notes here, this isn't your fault, you do not owe this ''. I call in XXXX and XXXX of XXXX, SAME STORY. But when I call in XX/XX/XXXX, I am told I have been turned over to COLLECTIONS!! My exact fear and what I called about monthly!! I have worked very hard on my credit, never made a late payment anywhere and have always paid my accounts. In XXXX, I called multiple times a day for a week, a supervisor tells me after a " long review '' that there is nothing they can do and that I should have called and handled this sooner ... ...... I call back but XXXX only hangs up on me at this point until XX/XX/XXXX. IC systems, the DEBT COLLECTOR told me to write my letter explaining all of this, I did and they deemed I did not owe this from the notes XXXX had to submit with my dispute. But guess what?? XXXX has submitted me to XXXX now, ANOTHER DEBT COLLECTOR!! I called on Monday, XX/XX/XXXX to the XXXX department for my 100th time and now I am waiting on yet a 4 review of a " supervisor '' and I am not hopeful. I should not be paying {$1500.00} for a phone I never once touched and that XXXX confirmed with me repeatedly they recieved back, in a timely manner but apparently couldn't locate to " scan '' at their own facility. This has put a big dent in my credit. XXXX hangs up on me repeatedly and IC systems threatened me until I mailed them the letter containing this information and the email where the XXXX XXXX removed my payment proving they said I have not ever owed this debt on this phone. Please help me.
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.
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30168	Web
I.C System, INC Please supply the following information in entire detail : >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 potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >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, specifically : >A copy of the last billing statement sent to me by the original creditor. >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, 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. >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. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >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.
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.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	TX 76010	Web
Debt Collector, please supply the following information in entire detail : >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 debtstarted with a di! erent 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 potentially can know them, if that is di! erent from the o '' cial name. In addition, tell me when the Current creditor obtained the debt and who thepresent creditor obtained it from. >Provide veri $ cation and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide veri $ cation and documentation about why this is a debt that I am required to pay. The amount and age of the debt, speci $ cally : >A copy of the last billing statement sent to me by the original creditor. >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 chargesare 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 havebeen any other changes or adjustments since the last billing statement, please provide full veri $ cation 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. >Have you decided 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, andhow you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to con $ rm or catalog your claims. >I would like more information about your $ XXXX before I discuss the debt withyou. Does your $ rm 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 $ rm have a debt collection license from that place? If so, provide the date of the license, the name onthe license, the license number, and the name, address and telephone number of the state agency issuing the license.
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 761XX	Web
I.C System INC, please supply the following information in entire detail : >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 potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >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, specifically : >A copy of the last billing statement sent to me by the original creditor. >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, 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. >Have you decided 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. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >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.
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 XXXXX	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
06/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17011	Web
This letter was sent twice both times IC Systems ignored my request. I sent the letters within 30 day time frame. XXXX removed it from my credit report do to lack of response. IC Systems has not provided any information requested. I believe XXXX and XXXX are negligent in their resposibilities to the consumer. Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collections 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 office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with 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 showed I agreed to pay what you say I owe ; Identify the original creditor and the original contract ; 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 ; If your offices have reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said 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 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, I will require at 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during the investigation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel. This includes 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, my cell phone or my place of employment. If your offices attempt telephone communications with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. You also may not communicate with me by email. All future communications with me MUST be done in writing and sent to the address noted in this letter. IC Systems : Account # XXXX Ph : XXXX Thank You XXXX XXXX
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.
08/13/2022	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	IL 61554	Web
I had to use the services of XXXX and their baiid machines. After I recieved notice from the state of Illinois that I could have the device removed I contacted XXXX and I set up the device removal and I paid my administrative closing fee to close my account. Later thay evening I found someone who did mobile removal of devices and I paid them to come remove the device and opted to use them instead of waiting another 2 or 3 days until my removal was scheduled. Nothing states that I couldn't do this and was ready to get the device removed. The guy said I would be receiving an email with my reciept and a return label to send them back their device. This was on XX/XX/XXXX. The same day I paid my closing fee. I hadn't heard anything by XX/XX/XXXX so I decided I'd log into to their website and message them and ask about my reciept for removal and the return label. An agent of theirs closed the conversation without even sending any response, this was after I recieved the notification the message had been read. I then sent the message again and got an automated response stating no agents were available so I left another message stating someone needed to call or contact me about the return label and reciept. I didn't ever hear anything until I recieved a notice of an almost XXXX dollar. They originally claimed this was for using their services and they were somehow unaware the device had been removed from my vehicle. This is all after I settled my last bill and closed my account. They kept billing me for services after I closed an account and hadn't been using their services. Upon them learning that my device has vern removed they stated the charge was for using an alternative removal method and then said it's because of a non returned equipment. They just sent me the return box a few weeks ago but have told them I want the bill wiped out because I'm not paying for their own negligence and failure to send the label i asked about and got ignored and was comepletely disregarded vby one of their agents. I am.not paying them a XXXX because they have already done their fair share of shady practices to extort extra money put of me and I have proof of this. They would schedule my maintenance o. XXXX when they know the shop I used was closed on XXXX. I even reached put to the shop the following Monday and they never recieved any work order for my vehicle so the company was lying XXXX atkeast 2 occasions saying I was scheduled on Fridays and when I'd go the shop would be closed. That resulted in me getting locked out of my vehicle which then requires a lockout fee of around XXXX bucks to be able to drive again. I caught then redhadned by asking the shop about work orders before talking to XXXX. I provided proof of this experience for my disputes as well and XXXX is failing to see my account was closed on XX/XX/XXXX when I paid my closing fee and had the device removed. They also fail to acknowledge the shady practices used by the company to extort additional fees and that the charges all came after I had closed my account and was no longer a customer using their services.
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.
05/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 481XX	Web
I am writing to bring to your attention the matter of a debt validation letter sent to IC System on XX/XX/2023 pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. On XX/XX/2023, I sent a debt validation letter to IC System requesting that they validate the debt they reported on my credit report. I included all relevant details, such as the account number and the amount in question. According to the FDCPA, they are required to respond within 30 days of receiving the letter.This letter was intended to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and to request the necessary documentation to validate the legitimacy and accuracy of the debt in question. As per 15 USC 1682 ( g ), a debt collector is obligated to provide the requested information within 30 days of receiving such a request. However, it has now been over 30 days since the date of the letter, and I have not received any response or documentation from IC System. This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. I believe it is important for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of IC System with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act. Furthermore, I have not granted I C System authorization to acquire my private, confidential, and sensitive data and submit it under my name to the consumer reporting agencies but it seems that my identity has been misappropriated and utilized in a hostile way by their company. For this reason, they have also violated the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act by sharing my non-public personal information with non-affiliated third parties without providing me with a notice that complies with 15 USC 6803 and also failing to give me the opportunity to opt-out as required by 15 USC 6802. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure IC System 's compliance with federal consumer protection laws. It is crucial that debt collectors adhere to the guidelines set forth in the FDCPA to protect consumers ' rights and prevent any potential abusive or unfair practices by reporting false negative/delinquent items that are a defamation of character, ruining my reputation, and my overall creditworthiness. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate steps to address this issue and uphold the rights and protections of consumers. I look forward to receiving a response from your office regarding the investigation 's progress.
11/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91786	Web	Servicemember
Ic systems Collection agency, Violated the fair debit collection practice act as well as the fair credit reporting act. Violation number one : Section 807 false or misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in correction with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 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. I called this collection agency who has already previously been notified by the three major credit for an agencies that this collection account what is the result of identity theft. I was amazed when I spoke to the representative XXXX XXXX. I notify this representative that I have a victim of identity theft and that his company has had several accounts in their system that have been removed for identity theft. I did notified him that this account popped on my credit report without any prior notification via mail, telephone call, or email. Ive been instructed him that I would like to have these accounts removed due to identity theft. XXXX XXXX XXXX told me that in order to have these accounts investigated, I would have to pay a fee of {$270.00} to another company called XXXX XXXX in order to have this account investigated and removed from my report. Me being a victim of identity theft has taught me to be very knowledgeable when dealing with fraudulent accounts. Enclosed is a recording of the phone conversation between me and the representative for IC systems. The recording was taken from a Texas phone number which falls under a one party state rule when pertaining to the laws of recording. Therefore, Permission was not needed since one party ( IC Systems ) was recording already. No person should have to pay to have an account removed under identity theft from a collection agency. This is a serious violation and requires serious attention. This means that if a consumer disputes an account with a credit reporting agency, and follows the guidelines correctly, in the collection and see the sides that they will not investigate but, report the account as accurate? This is a tactic used to force people to call the collection Agency so that they may manipulate the consumer into paying to have a wasnt account removed from their credit report. This violation falls Under section 621. Administrative enforcement [ 15 USC section 1681s ]. ( 2 ). Penalties. ( A ) knowing violations. Except as otherwise provided by subtitle B of the consumer financial protection act of 2010, in the event of a known violation which constitutes a pattern or practice of violations of this title, the federal trade commission may commit a civil action to recover a civil penalty in a District Court of the United States against any person that vio lates this title. In such action search person shall be liable for a civil penalty Im not more than {$2500.00} per violation.
11/09/2023	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	FL 32256	Web
Below is my statement send to the FCC on XX/XX/XXXX that XXXX have yet to respond to ; also the XXXX and his debt XXXX have been falsifying the due date of the debt in their statement by moving up the due date every month. Lastly, my mane is XXXX XXXX XXXX I am a XXXX XXXX XXXX XXXX XXXX ) ; it has become exhausting to keep requesting that XXXX and/or all other parties to stop referring to me as XXXX XXXX Ref : FCC ticket ( # XXXX ) I understand that the main aim of the FCC is to foster communication between consumers and companies, but there comes a point when someone needs to intervene and provide assistance. XXXX appears uninterested in addressing my concerns, as their staff simply keeps recycling earlier responses in an effort to tire me out. Moreover, despite my multiple corrections, employees at the Verizon executive office continue to address me as XXXX XXXX even though I am a woman ( cisgender, born female ). This type of insensitivity played a role in my decision to file an initial discrimination complaint because an employee named XXXX mocked my name and derisively referred to me as a " low-class person. '' In their response, XXXX repeatedly emphasized the credits they had issued for my account. However, these credits only rectified charges that should never have been levied in the first place. Regarding international pass fees, I informed XXXX back in XX/XX/XXXX that I had no intention of using their wireless network during my travels, and their international pass charges do not include an opt-out feature. Consequently, when they charged me again in XX/XX/XXXX and tried to portray this as an act of generosity, I found it preposterous. Notably, XXXX appears to pick and choose which inquiries they wish to address. They have not explained why they sold my account to a collections agency before issuing the final bill or responded to concerns about discrepancies between the store 's listed device prices and what I was charged. Furthermore, the sales representative refused to sell me the device outright and pressured me into accepting a lease agreement. The more I think about it, the more convinced I become that this approach is designed to steer and trapped customers in a XXXX lease. XXXX is well aware that they billed me for two phone lines even though only one device was delivered ; neglected to apply trade-in credit for seven months ( and currently refuse to apply the remaining balance to my final bill ) ; charged me repeatedly for international passes without an opt-out option ; and consistently failed to honor the 15 % discount advertised to my employer. Despite all this, the company seems to believe they are justified in mistreating customers for 36 months by forcefully denying them device ownership and directing them into lease agreements. I believe I have been more than fair in my requests by asking XXXX for trade-in credit and an itemized final bill that breaks down device charges and service fees. Regrettably, their executive office staff has exhibited dishonesty in their responses to the FCC.
07/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	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.
09/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76182	Web
I was given a XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX and was put on a plan to pay monthly with the understanding that I wouldn't own the equipment until I had paid a specific dollar amount. My insurance company, XXXX, was also billed and paid for a portion of the equipment. I did pay monthly for a long period of time until the manufacturer XXXX XXXX SENT OUT A RECALL NOTICE stating the equipment was found to be a CARCINOGEN risk and that it had to be returned to my medical provider. Within 3 weeks of that notice I took the equipment back to the medical office that gave it to me, with every accessory that came with it and in the original carrying case. I also provided them a copy of one of the recall notices that I got from XXXX XXXX and a copy of the XXXX XXXX website showing the specific model that I was given. I asked for someone to confirm that my billing would stop and was told that there was nobody available at that time so I instructed the girl at the front desk to discontinue billing me and to discontinue billing my insurance company and I left the recalled equipment in their office. The billing continued to accrue for several months coming to a balance of {$320.00}. I called their office and requested that they cease and desist billing me for a recalled piece of equipment that was potentially cancer causing, and that I had returned to them. When that didn't happen I went INTO their office and told a different receptionist at the front desk to get with whomever was handling insurance billing and stop the billing. She told me that she was the only person in the office besides the doctor, who was with a patient, and made a rude comment about Covid. They continued the billing and then sent my account to a collection agency for the {$320.00}. I have disputed it 4 times with XXXX and both myself and XXXX have provided them with the recall documentation from the manufacturer to verify I didn't just return it and stop paying randomly. The collection agency, XXXX XXXX, continues to respond to the credit bureaus that the debt is owed. I have called, written, e-mailed, disputed and now I am reaching out to CFPB to intervene. I have all the evidence of the recall of the machine, and the equipment was connected to my internet and supposedly reporting until I returned it. They can verify if/when it was being used. Please assist me in getting this erroneous debt off of my credit and that I am treated fairly!!!! On the internet you can SEE THAT IT WAS RECALLED AND DANGEROUS you can see XXXX REVIEWS THAT STATE OTHERS ARE HAVING THE SAME ISSUES WITH THE ORIGINAL MEDICAL OFFICE. I don't know what else to do to get help and get this removed from my credit reports. I have provided and requested documentation for any sort of verification. I didn't sign anything at the doctors office and they didn't provide me with a receipt when I returned the equipment. They continued to fraudulently bill my credit card AND DEFRAUD MY INSURANCE COMPANY.
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 316XX	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.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92596	Web	Servicemember
The XXXX XXXX XXXX XXXX collection first appeared on my credit report in XX/XX/XXXX by XXXX XXXX XXXX XXXX. I immediately contacted the phone number listed on the report. I was informed that the account was opened in my name in XXXX, XXXX in XX/XX/XXXX. I lived in XXXX, XXXX at the time and was in the process of relocating to California due to military reassignment. I advised the customer service representative that I did not open or authorize the opening of said account. I asked the representative what documentation was used to determine I was the individual requesting the account. She said accounts opened online at that time requested no proof of identity. She explained that I could pay the balance in full with her but there was nothing else she could do. I hung up and drove to an XXXX XXXX XXXX store location in XXXX California. The representative at the store had no record of an account in my name using my Oklahoma drivers license. He advised me to contact the fraud department. I called the XXXX XXXX XXXX fraud number but it only included an automated message which provided no real help or resolution to my problem. I disputed the collection and it was removed from my credit report in XX/XX/XXXX. XXXX again added the collection to my credit report in XX/XX/XXXX. I reached out again and was emailed a fraud packet on XX/XX/XXXX requesting proof of residency between XXXX and XX/XX/XXXX. I returned the complete fraud packet on XX/XX/XXXX, including all requested information and supporting documentation such as my California leasing agreement and utility bills. My fraud claim was denied by XXXX citing there was not enough evidence to support my claim. I again filed a dispute and the collection was removed from my credit report in XX/XX/XXXX. On XX/XX/XXXX IC Systems XXXX XXXX added the collection to my credit report. I called the listed number and was informed that they simply report and collect debts. I was told to file another fraud claim and hope the issue gets resolved. I asked for all information associated with the account to include the account number, service address, phone number, and email address listed in the file. I called XXXX XXXX XXXX, provided this information in an attempt to determine who could have opened this account. They were unable to help me because I could not provide the account pin, security answer, or answer the phone number listed on the account. I asked to speak with someone in the fraud department and was disconnect from the call. No one ever called me back. I then filed a formal Identity Theft Police Report in XXXX XXXX XXXX which was accepted under the Reference XXXX. I am awaiting a follow up to this report, but have grown tired of simply disputing this collection annually. I am seeking to have this error remedied and pursue legal action against AT & T for aiding fraudulent activity in my name as well as the creditors for harassment, slander, intimidation, and violations of the Fair Credit Reporting Act.
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. ''
01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19023	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
07/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85085	Web	Servicemember
I am submitting a formal complaint against I.C. System, Inc., a debt collection agency, and XXXX, the credit reporting agency. The issue stems from a modem/router combo that I returned on time to AT & T U-Verse in early XXXX. Unfortunately, I was not credited for the return, leading to a charge of {$450.00} for the equipment. This debt was subsequently sold, and a collections agency named XXXX pursued me through the credit reporting agency XXXX. I disputed the collection with XXXX, and they conducted a thorough investigation, ultimately ruling in my favor by declaring the collection invalid. However, my struggle did not end there. I.C. System, Inc., yet another debt collection agency, opened a collections account with XXXX on XX/XX/XXXX. Frustratingly, I have made XXXX attempts to dispute this collection with XXXX, both through online channels and over the phone, but their responses were not helpful at all. The first time I raised the dispute, XXXX got back to me within a few days, only to offer an unsatisfactory resolution. The second attempt was even worse, with a response received in less than XXXX hours that did not address the issue adequately. The third time around, the outcome remained unchanged, leaving me extremely dissatisfied. I strongly believe that my rights under various XXXX Codes have been violated in this situation. For instance, as per 15 USC 1681s2 ( A ) ( 1 ) A, no person or agency should provide inaccurate information to a consumer reporting agency, which seems to have happened with I.C. System, Inc. 's actions. Additionally, 15 USC 1681c ( a ) ( 5 ) explicitly states that consumer reporting agencies like XXXX should not include any adverse item of information in a consumer report without proper authorization, which I did not XXXX. I.C. System, Inc. and XXXX have been uncooperative, making it incredibly challenging for me to resolve this matter, despite the previous ruling by XXXX in my favor. I am now filing a complaint with the Consumer Financial Protection Bureau to address these grievances and seek a fair resolution. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please investigate this matter and take the necessary actions to ensure that my rights are protected and that the inaccurately reported collection is removed from my credit report promptly.
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 189XX	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
01/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 165XX	Web
I received a letter in the mail from a company called IC Systems, asking me if I would like to accept an offer settlement for a debt I do not owe or know anything about. This debt can not possibly be mine as it states the original creditor is XXXX. I currently have an account with XXXX and have been a loyal customer for XXXX years. How can I have a collection account and have my service on at the same time? I have already submitted an ID theft/ Fraud report because someone has been attempting to obtain credit in my name. Under the XXXX XXXX Collections Practices XXXX a debt collector is to provide proof and validation that this debt even exists. You did not do that. Because it doesnt. I am demanding you provide a copy of the original contract signed by me and prove that is my real signature, a full accounting ledger of this debt, and proof that I even owe this debt. You will not be able to do that. 15 USC 1692b and c states that a debt collector must cease all communications and collection efforts once notice is received. This is your notice. 15 USC 1692g states a 30 day notice must be given to a consumer to dispute the validity of a debt. I never received a notice. You placed this on my credit report to be malicious and as a scare tactic. You are attempting to put me under duress and force me to pay this debt. I have filed a Fraud report with the Federal Trade Commission, if IC Systems had followed the law and taken the proper precautions before reporting this to the major credit bureaus, you would know that. Under 15 USC 1681 all fraudulent accounts reported by a consumer that furnishes a fraud report, are to be removed within four days. XXXX, XXXX and XXXX have been put on notice already. Because this so called company failed to complete their due diligence you are in violation of these rights protected by federal law. XXXX CFR XXXX gives the consumer the right to opt out under the Fair Credit Reporting Act, before any creditor places an item on their credit report. Each company is to give a 30 day notice to the consumer and offer this chance. IC Systems has also failed to do this. The Privacy Act of 1974 clearly states that written notice and consent must be given to all consumers before any private and personal information is to be shared from one agency to another agency. Once again IC Systems has failed to do this. Under 18 USC 8, all debt is alleged debt. WE as consumer do not owe any debt and all debt are the obligations of US govt. IC Systems has shown Willful Non-Compliance and disregard to all federal laws. I am demanding that you remove all erroneous, fraudulent, fake tradelines from all credit bureaus within 4 days of receiving this notice and pay a penalty for this violation. XXXX and XXXX were quick to add this tradeline to my report without doing any research, yet take their time or ignore my Fraud reports sent to them. I will be pursuing legal action against these entities.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93536	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I.C. SYSTEM, INC XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I.C. SYSTEM, INC XXXX XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and I.C. SYSTEM, INC XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I.C. SYSTEM, INC XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
05/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43054	Web
XXXX or XX/XX/XXXX I went to a XXXX XXXX store to take inquire about changing my services from XXXX to XXXX XXXX and taking advantage of their promotion that they would pay off the existing phone bill at XXXX. There were 3 young men at the counter trying to help me. While one was trying to verify my information, the other went into the back room and got SIM cards. The third man was getting a code off my current phone to unlock the phone. When the third man discovered he was unable to unlock my phone. He tried to convince me to purchase a new {$1300.00} XXXX which I did not want to do. I called XXXX and they told me I would have to pay off the existing phone balance before they gave me a code to unlock the phone. This was opposite from what XXXX promotion was about. I didn't not have those funds to do it, so I told the 3 men to cancel everything. XXXX ended up matching the same monthly promotion as XXXX. The man said he would cancel out the account. I walked out of the store. I kept my account with XXXX. Then in the fall of XXXX I get a {$750.00} collection in the mail from a collection agency. I called them and told them what I explained above. They said they would reach back to XXXX. I called XXXX and they told me I had to go into the store and talk to the manager. I went into the store and the manager said he couldn't do anything, and I would have to call XXXX customer service. I called XXXX XXXX customer service and they said they would investigate it. 30 days later the collection was removed from my credit report and I heard nothing from XXXX. Then on XX/XX/XXXX I get a collection agency sending me mail that was trying to collect on the same amount. I called them and explained the same thing above. This is IC Systems, and they still have the account. I disputed it with them over the phone and told them I never used the services and this was false information. They said they would investigate it. They placed it onto my credit report and then mailed me a letter saying they verified it and sent a final bill statement from XXXX. That end showed I never used their services. I called the collection agency back and disputed it again, they then tried to offer my a settlement to pay the bill. I told them I didn't use the account and I wasn't going to pay for anything I didn't use. I called XXXX XXXX again and talked to another person who told me it could take up to 2 weeks for them to investigate and she would call me back on XX/XX/XXXX. She never called back. I called XXXX on XX/XX/XXXX and the person I spoke with told me that I would have to call the collection agency. I told her they were not going to do anything, they wouldn't take dispute and they want me to pay it. I told her I called before to XXXX XXXX and the person was suppose to call me back on XX/XX/XXXX and they never did. I requested to speak with a manager. I was put on hold for 30 minutes waiting for a manager.
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.
06/16/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34120	Web
Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX is classified as a consumer reporting agency, and I by definition am the Consumer. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX is in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n. I am making this complaint against XXXX. SYSTEM, INC, for committing identity theft. I have never given I.C. SYSTEM, INC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with I.C. SYSTEM, INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving XXXX. SYSTEM, INC any right to collect on this alleged debt. I have never received any documentation requesting validation from I.C. SYSTEM, INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If I.C. SYSTEM, INC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX. SYSTEM, INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC, continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
01/20/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29644	Web
I C Systems [ Their Address ] [ City, State, ZIP Code ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear I C Systems, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that I C Systems has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within XXXX days of receiving this letter, I C Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect I C Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated XXXX-day timeframe will be considered willful noncompliance and may result in civil accountability for I C Systems, as provided under Section 616 of the FCRA. Done in good faith.
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.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78132	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I.C. System is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I.C. System the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, I.C. System whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I.C. System Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also XXXX2 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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.
11/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10453	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, INC account with a balance of {$500.00} 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 XXXX of the XXXX bureau XXXX XXXX XXXX XXXX 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 credit score and if I am declined for anything, I will seek financial remedy by talking to a XXXX XXXX.
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 282XX	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.
08/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37042	Web
Today I noticed a collection on all three credit reporting agencies ( XXXX, XXXX, and XXXX ). The original creditor is XXXX XXXX XXXX and the collection agency is as follows I C SYSTEM, XXXX XXXX XXXX XXXX XXXX, MN XXXX, ( XXXX ) XXXX. I was not aware that I owed this debt. I was not notified of this debt. On XX/XX/XXXX my husband and I called I C System at XXXX XXXX. and spoke with XXXX XXXX. Her employee number is XXXX. I asked her, " How did IC System verify this debt ''. She stated they have no way of verifying the debt and do not have to. She said they only follow what the original creditor told them to do. I asked what address did they have on file. They said XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX. However, I lived at an entirely different address in a different city on that date, I moved to my new address in XXXX of last year and have a lease to prove it. Before that, I lived with my mom at a different address. I asked I C System how they notified me of the debt and they said by text message on XXXX the XXXX of XXXX. The number they gave me was ( XXXX ) XXXX. However, I contacted XXXX XXXX and they verified I had that number from XXXX until XXXX. Then I updated my number to ( XXXX ) XXXX from XXXX to current. I asked I C Sytem did they mail me verification or notified me by mail and she stated no. I asked if they notified me by email and she said they never had my email. The Consumer Financial Bureau ( CFPB ) states, " Make sure the bill is yours and shows your correct name, and billing address. '' However, I was not provided a chance to verify any of this information. Instead, this company took it upon itself to place this on my credit report without giving me a chance to verify the debt. - The Consumer Financial Bureau ( CFPB ) states, Before a debt collector can report your debt to a credit reporting company, the debt collector must do any XXXX of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. However, I never received notification or verification of the debt in any way listed above. I recorded the phone conversation between the representative and I for my protection. I am completely disgusted at how debt collection agencies feel as if they can do whatever they want.
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.
01/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : I.C. SYSTEM, INC XXXX XXXX XXXX XXXX, FL XXXX, United States XXXX Cease and Desist. I DO NOT KNOW WHO YOU ARE AND I HAVE NEVER DONE BUSINESS WITH YOU ALL. REMOVE THIS FROM MY CREDIT FILE IMMEDIATELY. Not only is it illegal for a 3rd party collection agency to collect a debt that never originated with you all, I have no recollection of doing business with you. Not sure who you are or why this is here. The information you all are reporting is 100 % false! - inaccurate. I never gave ANYONE FROM YOUR COMPANY my written consent for any debt and I DONT NOT OWE YOU ANYTHING I am demanding that this account be updated to paid as agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX XXXX regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. The goal with my credit profile should be maximum possible accuracy. What is actually fair and true. None of this is 100 % accurate. This has caused me to experience so many damages its unreal. The inability to get a loan, the inability to get a high limit credit card or even a mortgage. If I am offered anything Im met with the highest interest rates, high down payments and no grace periods. Everything on my credit report has been causing me a great deal of stress, anxiety. Thats not okay, fair or true. I demand to be compensated for each violation on my credit report in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can NOT furnish an account I will await your reply. Kind Regards, XXXX XXXX XXXX
08/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I am writing to formally lodge a complaint against I C System Inc, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I recently received communication from I C System Inc. in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : 1. Failure to Verify Debt : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 2. Expired Statute of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, I C System Inc, is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. 3. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. 4. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g 5. Company has no Contract between XXXX XXXX and I C System Inc I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against XXXX XXXX XXXX if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. I am attaching copies of all relevant correspondence from I C System Inc, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. Thank you for your time and consideration. Sincerely, XXXX XXXX
12/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 442XX	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.
09/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80112	Web
I have disputed this collection for over 3 years since, XX/XX/2018. I paid my service contract, in full, with XXXX when I ported my XXXX phone numbers to XXXX XXXX XXXX. The phone numbers can not be released by XXXX unless they have a XXXX outstanding balance. The numbers ported to XXXX XXXX XXXX from XXXX with XXXXXXXX XXXX consent, were : XXXX and XXXX. Both of these phone numbers have been under an XXXX XXXX XXXX service contract under XXXX XXXX XXXX XXXX, since that day. There was one phone, an XXXX XXXX, that was leased, so I had cleared the memory at XXXX XXXX XXXX store and later, sent the XXXX XXXX XXXX back to XXXX XXXX in the XXXX provided, pre-addressed, Yellow envelope. Over the last 3 years, I have been harassed by at least 3 different collectors on different amounts, for different account bills, and nothing in writing consistent, from XXXX, from the prior collection attempts nor the validation of the new collection amounts. I have always disputed this collection, as I had the paid in full letter sent to the XXXX XXXX XXXX dealer in XXXX, the day we started the new account with XXXX XXXX XXXXin order to be able to get the release of the phone numbers, mentioned earlier, and " ported '' to the new phone service aith XXXX XXXX XXXX from XXXX. I could only do that with XXXXXXXX XXXX permission and guarantee release of the phone numbers to the new service provider. I pourchased a new phone from XXXX XXXX XXXX in order to be able to return the XXXX XXXX to XXXX in their envelope mailed to me that was bright yellow. Suddenly, XXXX started sending me more envelopes and stating they did not receive the phone. Later that year the collections began for unpaid balance charged for the subsequent month after the phone numbers were ported to XXXX XXXX XXXX. we closed the accounts and the service was not provided by XXXX because they no longer had the phone numbers in their control after releasing them XX/XX/2018. There is no service amount owed, as per the earlier disputes resolved with XXXX. Neither XXXX nor the current collection company, I.C. System Inc., which XXXX has now assigned the debt, for a new amount of {$700.00}, is willing to send me any written explanation of the debt and how they came to that amount, other than for a missing phone and services unpaid. No dates match the duration of my contract and previously the collectors stated the " lost phone '' was actually collected in an insurance claim from sprint with the mail carrier in the prior debt collection attempts. XXXX needs to substantiate this false claim, on the service bill they created falsely, from an account they state was paid in full and cancelled service, and paid in full, prior to my changing cellular companies.
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.
10/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30017	Web
Complaint Against I.C. Systems for Unrecognized Collection Notice on My Credit Report I hope this message finds you well. I am writing with deep concern and distress about a recent collection notice placed on my credit report by I.C. Systems. Prior to this, I have maintained a clean credit history without any collection notices. This unexpected entry not only impedes my potential future purchases but also adds an undue layer of stress in these already trying economic times. On XX/XX/2023, I contacted I.C. Systems at the number ( XXXX ) provided on my credit report. At precisely XXXX XXXX, I spoke with a representative named XXXX to inquire about the aforementioned collection notice. She informed me that the collection was related to a XXXX account and further explained that their records show the account being handed to them on XX/XX/2023. XXXX also mentioned that a letter was dispatched to me on XX/XX/2023, to inform me about the situation. This seemed incongruous, as the collection was already on my credit report by XX/XX/2023. I probed deeper, inquiring if any other communication attempts had been made. XXXX confirmed no attempts besides the letter. When specifically asked about phone contact, she indicated that there had been no phone outreach according to her records. I explained to XXXX that I do not recognize this alleged debt and had not received any notifications about it. I then requested the removal of this collection from my credit report, at which point XXXX transferred me to her supervisor, XXXX ( # XXXX ). I reiterated my concerns to Supervisor XXXX and inquired about their communication methods regarding the collection. Although XXXX confirmed the dispatch date of the letter as XX/XX/2023, she contradicted XXXX 's information by stating that phone attempts were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023. XXXX further mentioned that they are prohibited by law from leaving voice messages, and she was unable to provide the numbers from which they had allegedly called. Upon questioning the legitimacy of the debt, XXXX revealed that XXXX. XXXX does not own the debt ; instead, it remains with XXXX. I found it perplexing that a company, which does not own the debt, could place a collection notice on my credit report. XXXX clarified that they were operating on behalf of XXXX. Despite my repeated requests to have the item removed due to its dubious nature, XXXX declined. Given the above circumstances and the inconsistency in I.C. Systems ' communication, I believe it is necessary to bring this matter to your esteemed attention. I genuinely hope that the CFPB can provide guidance and resolution in this matter. Thank you for your time and consideration
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.
06/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 14211	Web
Upon reviewing the contents of my consumer report, I noticed that I C SYSTEM INC. and I C SYSTEMS COLLECTIONS have a negative account listed in the amount of {$550.00}. This company is in complete non-compliance of state and federal debt collection laws. This company had to notify me about certain things pertaining to this debt once it was acquired from the original creditor and before they reported it to the credit bureaus such as : the identity of the original creditor, an itemized accounting of the debt and if they don't have this information they can not comply with state and federal regulations therefore can not LEGALLY make attempts to collect the debt. I C Systems INC was also obligated to disclose the amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections, the amount of fees and other charges added since the acquisition of the debt if any, a statement describing how the debt collector acquired the debt from the original creditor, and if applicable any payments made by the debtor since debt was sent into collection. On my consumer report it states that the debt was placed for collection in XX/XX/2022 but according to the payment history, the debt was placed for collection in XX/XX/2022 making the information provided to the CRA 's inaccurate. On my consumer report under " Type '' it states " XXXX XXXX ''. According to state and federal debt collection laws it is ILLEGAL for a debt collection agency to pretend as if they are attorneys in an attempt to intimidate the consumer into paying the debt. Furthermore, this company did not CONSPICUOUSLY disclose on the statute of limitations regarding this debt. I C Solutions INC has an obligation to be aware of the statute of limitations of any debt they attempt to collect on. I was not notified that the statute of limitations expired, I was not notified that it is a violation of the FDCPA to sue to collect a debt for which the statute of limitations expired, I was not notified that I do not have to admit to owing the debt or give up rights regarding the statute of limitations, I was not notified that if I admit to owing the debt or promise to pay the debt, the statute of limitations will restart. I have received NONE of the information listed above, had I not pulled my credit reports from the credit bureaus I would have had NO KNOWLEDGE whatsoever that this debt even existed. I am accepting no other action but a DELETION of this erroneous information off of my consumer report. These deceptive collection practices have caused harm to my reputation as a consumer, and I request that the CFPB upholds the law and grant me the swift justice I deserve.
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. # # #
08/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 362XX	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX. , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, I C SYSTEM failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXXXXXX XXXX agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
07/12/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NY 11226	Web
I recently decided to fix my credit DIY style, started by ordering my credit reports and looked at every account as if it was under a microscope. One by one I realized that re-aging of accounts was astonishingly prevalent and running rapid on my credit report. I couldnt believe it! Nevertheless I decided to contact the collection agencies to clarify the debt ( not verification or validation ), I didnt get very far as they could not or would not answer my questions. Thats when I turned to the original creditors for answers, they were able to answer every questions I had but, then another problem arose. The information reported by the collection agencies to the bureaus were different than what I was being told by the original creditors. Surly the original creditors will know Activity date, date the account was open and so on. I C Systems INC is the collection agency for the original creditor of XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX as evident by the recorded phone call attached as evidence ( I live in a one party consent state- New York ). The Date Of Last Payment XX/XX/XXXX ( last activity date ), the Date Account Was Closed XX/XX/XXXX. According to the collection agency I C Systems the date of last activity is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. I C Systems INC is re-aging the account, this is illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy. I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX Recording According to the recording the agent of XXXX XXXX XXXX XXXX XXXX states at ( XXXX timestamp of the recording ) that the last payment was XX/XX/XXXX in the amount {$120.00}. This date is the last date of delinquency ( known as the delinquency date or date of last activity ). However the I C Systems Inc is listing the last date of activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. Lastly Ill like to discuss how re-aging hurts the consumer, and destroys their credit and reputation. It affects the consumer like myself credit worthiness much longer than it should. Uncollectible collections accounts forces the consumer to reluctantly and unknowingly settle the collection.
12/11/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	OH 43017	Web	Older American, Servicemember
This is harassment and for a minor debt that I thought was resolved through discussions with XXXX XXXX XXXX XXXX Customer Service and then these collection agencies continue to harass me. I.C. System XXXX XXXX XXXX XXXX XXXX, MN XXXX Credit dispute for XXXX XXXX XXXX XXXX account closed in early XX/XX/XXXX. This is the second or third collection agency assigned to this matter which is disputed for the third or fourth time. I closed the account when transferring our cell phones ( and XXXX XXXX ) from XXXX XXXX XXXX to XXXX. Everything seemed fine until XXXX of XXXX when I got an automatic payment to XXXX XXXX XXXX for {$87.00}. Since the account ( I thought ) had been closed and made final payment in XXXX, I called XXXX XXXX XXXX to discuss the charge for {$87.00} This occurred in approximately XX/XX/XXXX. It was then that I determined that during the transition from XXXX XXXX XXXX to XXXX that XXXX of the iPhones was still active on the XXXX & XXXX network even though it was active on the XXXX network. In discussing the account with XXXX XXXX XXXX customer service, they indicated that I should contest through the credit card company which I did. XXXX XXXX refunded the {$87.00} to me. Then XXXX XXXX XXXX contested and rebilled the automated payment by XXXX XXXX. I then got XXXX XXXX to refund the {$87.00} again and prevented XXXX XXXX XXXX from being able to bill through the automated payment process. After talking again to XXXX XXXX XXXX Customer service, they indicated that they could not refund my {$87.00} because the account was closed and therefore, they could not process a refund. They told me to go through my Credit card company to process the refund which I did. XXXX & XXXX still tried to collect the {$87.00}. This obviously is a minor payment all things considered but it is the principle that I have decided to stop a Large company from continuing trying to collect money which even their Customer service admitted their own system could not process the refund. Some months later XXXX XXXX XXXX turned this over to a collection agency and called repeatedly over many months. After talking to them, I told them all about this process and referred them back to XXXX XXXX XXXX customer service since this all had to be in the notes regarding this account. From what I see the dispute was posted to my credit in XX/XX/XXXX. This was almost a year after this whole process started. I hope this provides enough information to get this expunged from my credit. I will be pursuing this and reporting it thru the www.cfpb.gov/debt-collection system. Please stop contacting me. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
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 XXXXX	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 460XX	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 XXXXX	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 990XX	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.
10/10/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	SC 293XX	Web
Account # : XXXX Per 1006.34 Notice for validation of debts ; this account is not outside of federal validation period. I C SYSTEM You are not a creditor nor original creditor for this account. In fact, I C SYSTEM is a debt collector. I never had an account with I C SYSTEM. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. In addition, while the collector attempted to collect a debt that is not theirs, they broke 15 U.S. Code 1692k - Civil liability. I C SYSTEM please provide the contract signed between yourself I C SYSTEM & the original creditor, notarized and sworn under penalty and perjury for yourself I C SYSTEM ability to collect this alleged debt. This is a formal complaint that you are reporting inaccurate and incomplete credit information. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Once again per 1006.34 Notice for validation of debts this account is not outside of federal validation period. Verification is # XXXX in debt validation law. Verification is a sworn statement/ affidavit of truth. I have also provided you with XXXX XXXX definition of verification below as you are partaking in willful non compliance 15 U.S.C. 1681n - Civil liability for willful noncompliance. I demand proof of delivery letter within 14 days of reporting account. I request certified mail tracking number. If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me. In pleading. A certain formula with which all pleadings containing new affirmative matter must conclude, being in itself an averment that the party pleading is ready to establish the truth of what he has set forth. In practice. The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. Verification- is not identical with authentication. A notary may verify a mortgagees written statement of the actual amount of his claim, but need not authenticate the act by his seal. XXXX XXXX XXXX, XXXX Ohio XXXX XXXX. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXX Fed XXXX XXXX ; XXXX v. XXXX, XXXX App. XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX.
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 395XX	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 633XX	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
08/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 20009	Web
I was a XXXX XXXX customer with autopay ( XXXX on time payments ) since at least XX/XX/XXXX. I left XXXX in XX/XX/XXXX. They charged my credit card the full amount of service one month later, even though they always billed in advance. They also did this the prior month when I took a family member off my family plan. There was also no prorating of charges. When I called XXXX to ask for an invoice to see what i was paying for ( 3 calls : in XXXX, XXXX and XX/XX/XXXX ) they did not explain it well to me ( they used extremely complicated " in house '' jargon ), and refused to mail me an invoice, saying that I had paperless pay so they could not mail me anything. However, I no longer had access to my verizon account online. I was fed up, so I disputed the {$51.00} charge with XXXX, my credit card company, on XX/XX/XXXX. On XX/XX/XXXX, instead of responding appropriately to XXXX, XXXX reported me delinquent to XXXX and sent the {$51.00} to collections with IC Systems. They later reported me to XXXX, as well. I disputed the debt with XXXX but it appears they " sided '' with XXXX. ( I had to call them a second time because the dispute resolution forms they mailed me made no sense ). I tried calling XXXX 8+ times over the month of XXXX. I was hung up on repeatedly ( I was not being irate, or raising my voice ) and had reps tell me " I can't hear you '' when I had full service and have never dropped a call from my home, almost as if that were a strategy that XXXX taught their reps, and multiple customer service reps gave conflicting information or made promises that were not fulfilled. For example, on XX/XX/XXXX, a XXXX customer service rep kindly told me he would remove the charge from my account and that everything would be resolved in 48 hours. On a subsequent call a few days later, I learned he had no capacity to do that because the " debt '' was already in collections. I paid the amount today ( XX/XX/XXXX ) through IC systems debt collectors because I essentially had no recourse, I was bullied into paying it. There is no justification for a company to : - Not provide an invoice - Not respond to a credit card dispute, which is what made the bill turn negative anyway - Not give me any advance warning that a bill was going to collections For this piddly amount to negatively affect my credit score for the next 7 years on my credit reports -- - after about 140 on time payments -- seems unjust. To make matters worse, I am currently house and / or apartment hunting and am afraid that, despite today 's payment, I will be denied housing or charged more for a mortgage.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70118	Web
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the XXXX XXXX XXXX and XXXX XXXX and their debt collection company, IC systems Inc., concerning their fraudulent billing practices and subsequent reporting of these bills to credit reporting agencies. The XXXX and XXXX XXXX 's deceptive actions have resulted in significant financial harm to the residents of XXXX XXXX. I wish to bring to your attention a series of articles that highlight the fraudulent practices of the XXXX XXXX XXXX and XXXX XXXX over the past five years. These articles present substantial evidence of the board 's deliberate misrepresentation and deceptive billing practices. Please find the relevant links below : Article 1 : XXXX XXXX XXXX Article 2 : XXXX XXXX XXXX Article 3 : XXXX XXXX XXXX Article 4 : XXXX XXXX XXXX Article 5 : XXXX XXXX XXXX These articles demonstrate numerous instances where the Sewerage and Water Board has sent fraudulent bills to the Citizens of the city of XXXX XXXX and subsequently reported these false debts to various credit reporting agencies. These actions have inflicted severe financial hardship, damaged credit histories, and imposed unwarranted negative consequences on innocent individuals. As a victim of the Sewerage and Water Board 's fraudulent billing and reporting, I have personally received inaccurate bills, which were then reported to credit reporting agencies without any valid basis. These erroneous reports have significantly impacted my creditworthiness and caused significant distress. I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into the fraudulent billing and reporting practices of the XXXX XXXX XXXX and XXXX XXXX. It is essential to hold the board accountable for their deceptive actions and prevent further harm to the residents of XXXX XXXX. Furthermore, I urge the Consumer Financial Protection Bureau to take appropriate measures to rectify the damage caused by the Sewerage and Water Board 's fraudulent practices. This should include enforcing penalties, facilitating the removal of inaccurate information from credit reports, and implementing safeguards to prevent future occurrences. Should you require any additional information or have any questions regarding this complaint, please do not hesitate to contact me. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address the fraudulent billing and reporting practices of the XXXX XXXX XXXX and XXXX XXXX.
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 199XX	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
05/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 462XX	Web
From : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To : I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Dear Debt Collector, RE Letter sent from I.C. SYSTEM INC. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$250.00} Be advised this is not agreeing to this debt. 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 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, 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 a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Please attach all the requested documents. Agreement with you and XXXX XXXX the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector. Must be 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. Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents 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.
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,
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06851	Web
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a I.C system account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.
09/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 802XX	Web
IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Account on XXXX & XXXX credit reports in dispute Creditor Contact Details : IC Systems Balance Reported : {$1500.00} Most recent file identification number from XXXX XXXX XXXX Account Number from XXXX XXXX Since XX/XX/19 I have written proof of IC Systems refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to IC Systems. I also requested IC Systems contract as I know this company purchased that debt that's already been written off and was attempted collect it from me illegitimately. I have not now, nor have I ever done business with IC Systems thus no contract has ever been provided. For them to mark this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX and their roles in allowing you to furnish this information without my written consent against my continued efforts to remove them from my account. I demand that IC Systems not only remove this from my report but I also demand that IC Systems pay me what is owed to me according to the law. I have actual damages, there are {$1000.00} violations attached to each time it was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms & calls that have been presented to me over the past years in support of your wrongdoing. It all stems from the false misrepresentation of IC Systems on my consumer report. I am due justice and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for {$20000.00} and you will not have to pay attorney fees or we can add my consumer lawyer to this situation and under the FCRA you will pay him as a result. Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed by comments left by IC Systems on my report against my efforts to resolve the situation outside of FEDERAL court. I expect a settlement offer within 10 days of this notice or further legal action will be initiated. I have enclosed two pieces of evidence that prove just how long I have been fighting and the type of response and willful non-compliance I was getting from IC Systems in response to my disputes with each XXXX XXXX XXXX, credit reporting agencies. Regards, XXXX XXXX
10/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 027XX	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
07/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 488XX	Web
I originally held a debt with XXXX XXXX XXXX about 3 years ago from the submission date of this complaint. I called to discuss with their customer service representative before the debt was sent to collections, and it was agreed that the debt was invalid. XXXX XXXX XXXX sent my debt to collections anyways to a company called XXXX XXXXy, if it was in error or out of spite I am not sure. I was able to successfully dispute that debt on my credit report on XX/XX/XXXX of XXXX and it was removed from my credit report promptly. It appears as though this debt was sold to I.C. Systems around XX/XX/XXXX. This was done without first notifying them that the debt was found invalid already on the part of XXXX XXXX, and they recently published another collection remark on my credit report for the same debt account. As far as I'm aware, it is illegal to duplicate a mark on someone's credit twice for the same debt account, regardless of if it's valid or invalid. This puts either I.C. Systems or XXXX XXXX at risk for litigation, as it goes against the Fair Credit Reporting Act and could potentially be considered harassment or an attempt to damage my credit in retaliation for successfully disputing it. Note, it has been disputed again, and found invalid on XX/XX/XXXX. This debt has been found invalid by each of the 3 credit reporting bureaus as well. I would like to have this matter dealt with and this debt dropped. It's an invalid debt stemming from either a clerical error or miscommunication on the part of a customer service representative. I would like to put an end to the harassment and attempts to damage my credit, and if possible I would like to see legal ramifications levied against XXXX XXXX for selling invalid debt to another collection agency, and against I.C. Systems for double reporting an invalid debt to a credit bureau. In addition, XXXX XXXX XXXX should be held liable for going against a verbal agreement and selling invalid debt to collections, but that is a matter for the collections companies to deal with and not me. I've done my duty of disputing this debt on multiple occasions through multiple companies. I have reached out directly to I.C. Systems to dispute the debt with them today as well. I think 3 years of weekly to daily calls and emails is more than enough to constitute harassment, not to mention they never leave a voicemail so it is impossible to identify the company or account and dispute it with them without calling and being harassed and told to pay up. Please put an end to this matter once and for all.
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 782XX	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.
09/02/2022	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	KS 66062	Web
A few months ago, I disputed a collection account on my credit reports from I.C. Systems ( collecting for XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX to which after an investigation, it was found that they did not have the documents to prove I actually owed any debt and therefore on XX/XX/2022 I received a response and a letter detailing that they would be requesting deletion of their negative tradeline. Now there was a discrepancy in the amount owed they put on the letter compared to what was already being reported, ( which I didnt think would matter, as well as I think they did on purpose to cause these problems ) but I didnt really complain as I was for sure it would be automatically deleted from all my reports anyways. NONE of the credit reporting agencies removed them by their selves because I know for a FACT IC Systems Inc, did not actually request deletion, because I had to dispute the account myself on XXXX XXXX XXXX, who after a few short days deleted the negative trade line themselves. Disputed with XXXX ( who typically is the first to remove trade lines, which shows IC Systems never requested deletion. On XX/XX/2022 I disputed the collection with XXXX & provided the letter to them via PDF to prove that it should be deleted. On XX/XX/2022 I received the results and was told that the information was verified and accurately reporting which was a problem as I wasnt disputing if it was accurate, it needed to be deleted. So so reopened the case under a new topic saying the account is indeed closed, and today XX/XX/2022 I got the results and once again they said the information was accurately reporting. But this time they said they contacted the furnished of the information ( IC Systems Inc ) and that the furnished told them the account was in fact reporting accurately. BOTH XXXX XXXX I.C. Systems Inc are both being negligent and in fact are disrupting my financial future by not doing right by what IC Systems has already said they would. This reporting is actually quite illegal, and my attorney is filing litigation against XXXX XXXX IC Systems. Remove the trade line and litigation will cease. This isnt a joke or a game. And as for IC Systems changing the supposed amount owed and making it differ on the letter compared to what you are reporting is a very under hand tactic and is also extremely illegal as well. I dont know what type of games you all have going but this is why collection agencies have such bad reputations, but if you look at all their complaints this seems like normal practice for them unfortunately.
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 XXXXX	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 XXXXX	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. )
07/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Older American, Servicemember
XX/XX/23 I called IC Systems after having disputed it on my credit report because it was not my debt. IC Systems verified the debt with XXXX, but when I called them they didn't even know where the mailing address or service address was. They were unable to verify any key information on this debt, refused to send me validation of the debt, were forcing me to communicate in a way I did not want, and that was not convenient for me, requiring I file police reports for a debt that was not mine and I knew nothing about, and take legal action against I don't know who. This violated Regulation Z, F, FCBA, DTPA, federal and state debt collection laws, and more. XX/XX/23 I emailed them a letter notifying them of these violations, as well as their illegal actions to re-age this fraudulent debt. I also notified them this had been on my credit report before by 2 other creditors. The original was XXXX XXXX, mind you I live in XXXX XXXX and the other XXXX XXXX XXXX. Both times this had been tied to me in error, neither company was able to verify the debt, and in my last conversation with XXXX XXXX, they said they would remove this debt as they verified it was not mine. No details on the original creditor other than the name XXXX XXXX were provided by XXXX or IC Systems. They were unable to even provide this basic information or any validating information on this debt. They didn't have the dates of the supposed service, service address, payment history, or any records or bills of any kind. They also didn't have the last four of my social until I finally gave it to them, as they stated they needed it to look up the account. However, in the call transcript, you can hear the creditor representative talking to her boss saying there was no information. I have also attached a transcript of my call with IC Systems and a follow-up email letter. Yet it's been placed on my credit report again, re-aged and unverified. They have refused to verify it, or remove it from my credit report which has caused significant damage! In my initial dispute with XXXX, XXXX stated it was validated by the creditor, but failed to provide a means, method, or reason as to how it was validated if they didn't even know the address or dates of service this account was for. Thus XXXX failed to actually investigate and validate this debt as they are obligated to. Should this not be immediately remedied I fear I will have to seek out compensation from both the creditor and XXXX for the significant damage it has caused.
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 018XX	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 XXXXX	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 XXXXX	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.
07/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 11226	Web
On XX/XX/XXXX I ordered my credit report, and looked through it thoroughly. I was shocked to learn I had several collection accounts listed on my credit report. I decided to reach out to the collection agencies for clarification on the alleged debt they insisted I owed. Unsatisfied with the outcome from speaking with the collection agency, I decided to reach out to the original creditors. It was then I learned in great detail about the alleged debt, details I either could not get from the collection agencies or when I did receive information from them was totally inaccurate. It was then the discrepancies became apparent, these discrepancies I will list below. I C System is listed on my credit report as the collection agency for XXXX, XXXX merged with XXXX on XX/XX/XXXX. I called XXXX for clarification of the alleged debt I C Systems listed on my credit report in the amount of {$1200.00}. XXXX had no recollection of the debt with I C System. XXXX however has another collection agency XXXX XXXX XXXX ( I wrote a separate complaint for this collection agency ) collecting the alleged debt on behalf of XXXX ( which is now XXXX ) in a different amount of {$460.00}. How can two ( 2 ) different collection agency attempt to collect an alleged debt for the same creditor in two ( 2 ) different amounts? I have had the same phone number for at XXXX years, In addition to this according to XXXX, as evidence by the recorded conversation I attached to this complaint. I C System is Re-aging this fraudulent account. ( IC Systems should not be attempting to collect according to XXXX, as they are NOT the collection agency who is in possession of the debt ). XXXX Date of last activity is XX/XX/XXXX ( as evident by the recorded phone conversation with XXXX ) On my credit report I C Systems has the date of last activity as XX/XX/XXXX on XXXX and XXXX XXXX XXXX XXXX. This is a grave injustice and totally illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy.
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 027XX	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 631XX	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.
01/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 18045	Web
My wife and I are currently in the process of purchasing a home. On XX/XX/XXXX I was notified by my loan officer that there was a {$200.00} debt in collections attached to my credit report. The debt collector is IC System. Being this is the first time I have heard of this debt I was confused. The debt was placed in collections by XXXX XXXX for allegedly failing to return cable boxes to the company after selling a property they provided service for. The home was sold in XX/XX/XXXX. Being this home is a vacation rental, the cable boxes were actually transferred to the new owners to avoid service interruption. My issue is that there was no communication sent to either myself or my wife notifying us that XXXX still believes there is a debt. Spectrum failed to communicate the issue and IC System also failed to communicate the issue. I spoke to an IC System representative on XX/XX/XXXX to discuss their process. The rep said phone calls were made to my cell phone number and also my wife 's cell phone number. She confirmed that the phone calls do in fact show up as " XXXX '' on the call ID and that they do not leave voicemails of any kind. How is a consumer supposed to be notified of an issue or even think the issue is legit if no call back message is left or even instructions on who to contact to settle the debt? The rep also said XXXX letter was mailed to our primary residence in XX/XX/XXXX stating the debt issue. It was confirmed by the rep that the letter was not certified and there is no means to actually verify that we received it, which we did not. The {$200.00} is irrelevant. With proper notification it would have been settled. My XXXX is that my credit score has dropped from XXXX to XXXX for a debt that I was unable to resolve because of poor communication. Since my credit score has dropped so much I am now being offered second tier mortgage interest rates instead of the best rates on the market. The home we are currently purchasing is nearly $ XXXX. Even a XXXX basis point change in my mortgage interest rate will cost me hundreds of thousands of dollars over the life of the loan. It is extremely frustrating. I was told by the IC rep that even if I paid off the debt my credit score still probably won't return to it's rightful level in the immediate future. The entire process conducted by both XXXX and IC Systems feels predatory and illegal from every angle. Any help is greatly appreciated on how to proceed. Thank you
11/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 371XX	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.
09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30080	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, I C SYSTEM failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
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
08/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN XXXXX	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.
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 374XX	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 937XX	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 XXXXX	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
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34203	Web	Servicemember
In XXXX of XXXX, I purchased an XXXX XXXX as part of my XXXX XXXX. One year later, XXXX of XXXX, I paid the phone off early and moved my service to XXXX. Unbeknownst to me, XXXX continued billing me $ XXXX for data charges for the remainder of XXXX with the final balance being {$230.00}. These bills were being sent to an old XXXX address that I was no longer using so I was unaware of the charges. In XXXX of XXXX, XXXX moved the account into collections at IC System. After being contacted by IC System, on XX/XX/XXXX, I paid IC System {$230.00}. I paid the amount IC System said was due to XXXX and was informed that the account was paid in full. At that time, the account was not showing up on my credit report. I received documentation from IC Systems stating the XXXX account balance was XXXX. In XXXX of XXXX, I saw that I had a collection from XXXX for {$2.00} on my credit report. I contacted XXXX, was told there was still an outstanding balance, even after IC System said the balance was paid in full, and I paid them {$2.00} at that time. The {$2.00} plus the previously paid {$230.00} equals {$230.00} which was the amount of my final bill from XXXX that I just recently found in my old XXXX email account. I dont know where the disconnect was between IC System and XXXX on the amount due but it has caused nothing but issues for me. IC System collected the wrong amount and XXXX put the remainder ( {$2.00} ) on my credit report. It was in XXXX of XXXX that XXXX first re-aged my account on my credit report. At that time, it had been appearing as a charge off dated XXXX of XXXX. After I paid the {$2.00}, they changed it to XX/XX/XXXX. Although I paid the full {$230.00}, the account is still showing on my credit report as legally paid for less than the full balance. Im working on getting a business line of credit and need to have this XXXX collection removed off of my credit report. I contacted XXXX and asked for a goodwill deletion. I had been a customer for many years, never in collections, and paid the amount that was due after the account was closed immediately upon learning about it. XXXX replied back declining the goodwill deletion and stated that the payment I made was made in response to a negotiated settlement offer. Not true. Just this past week, I am seeing that XXXX has once again re-aged the charge off. This time it is appearing as XX/XX/XXXX making it look like a fresh charge off.
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 XXXXX	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	Attempts to collect debt not owed Debt is not yours	CO 816XX	Web
4 years ago, XX/XX/XXXX, I terminated my XXXX account. They had told me as long as I return the phone, it will terminate my contract with no fees. I went into the XXXX store and returned my phone. I asked the representative if I owed anything at all, several times, to which they said no and provided me a receipt saying that I owed {$0.00} to XXXX. I thought I was all clear. 1 year later, XX/XX/XXXX, I applied for a loan on a car and XXXX showed up on my credit report saying I owed {$680.00}. At the time, I luckily still had the receipt. I went into the store and provided the receipt. The representative said that they would take care of it, I did not owe anything to XXXX and they would send a letter to IC Systems saying that I did not owe anything. Again, I thought I was clear. 3 years later, XX/XX/XXXX, I am applying to buy a house and again XXXX shows up on my credit report with the same charge of {$680.00}. I immediately call XXXX, I speak with a supervisor named XXXX. XXXX says that I do not owe anything to XXXX and it is just though the debt collector IC Systems. He said that he sent a note to IC Systems that I am clear of all balances to XXXX and do not owe anything and I could call IC Systems right away. I got part of this conversation with XXXX recorded because when I asked for a receipt of this, he refused. Upon calling IC Systems, I find nothing was sent to them clearing my balance and I ask for a receipt and they also refuse on their end. I try to call XXXX back and can not get a hold of XXXX and get hung up on not once but several times. Finally I manage to get a hold of a supervisor, who was absolutely rude and says that the balance above is from terminating my contract early ( first time hearing this 4 years later ). I looked it up online and it says that for XXXX in some cases there is a early termination fee, of $ XXXXmonth with a max of {$350.00} and {$100.00} for the phone making the {$680.00} not possible. Upon asking, they have never been able to fully explain the charges just the overall number. However, I was told for the past 4 years that I did not owe anything and had {$0.00} balance anytime I spoke with a representative. Nobody has even tried to contact me for the balance in the last 4 years, I only found out through my credit reports. Please resolve this as XXXX and IC Systems has ruined my credit for a reason I am not responsible for and for the past 4 years.
02/18/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48042	Web
I purchased flooring from XXXX on XX/XX/XXXX. I signed a contract that stated my original total was {$6400.00} but I only had to pay {$5600.00} due to a discount approved by market. I made two deposits on XX/XX/XXXX ( {$580.00} and {$2200.00} ) totaling {$2800.00}. In the special instructions section on page 2 of 14 it stated that I owed {$2800.00} C.O.D. I had two different installation dates. On XX/XX/XXXX I paid {$1700.00}. On XX/XX/XXXX the customer service representative took my payment over the telephone for {$1300.00}. The next day I got a call stating that they had overcharged me and they were going to fix it and my payment of {$1300.00} would not be processed. Then the day after that I got a call stating that I owe {$1200.00} more. After several calls with an unknown representative I asked for a supervisor. XXXX XXXX called me. XXXX XXXX General Office Associate XXXX. Ms. XXXX stated that I owed {$1200.00} more over the telephone and in an email. I explained to her about the call I received as well as everything else and asked her to send me an itemized bill. Ms. XXXX then sent me an email saying I owed {$1300.00} more, she sent me a bill stating that my total order was {$4000.00} my deposit was {$2200.00} with an allowance ( discount ) of {$470.00} and I owed {$1300.00}. However, the original sales receipt stated my original total was {$6400.00} but I was being charged {$5600.00} which is a {$770.00} discount not {$470.00}. Ms. XXXX also sent an attachment showing my total was {$4000.00} with a deposit of {$2200.00}, discount of {$470.00} and balance of {$1300.00}. I informed Ms. XXXX according to the original call I received and the email that she sent me with an attachment mirroring what was she typed, I had over paid by {$390.00}. I also told her that one of my deposits made on XX/XX/XXXX for {$580.00} was not reflecting her itemized bill. Ms. XXXX never addressed that. After several calls and letters mailed to me Ms. XXXX and I couldnt come to an agreement. XXXX XXXX wanted me to send her my credit card statement but with everything that transpired I did not feel comfortable sharing my personal information with anyone at XXXX. On or around XX/XX/XXXX, I received a collection notice for {$1300.00}. This have been a living nightmare and nobody seems to care and now my credit is being jeopardized. Im not sure what my salesman or any other of the workers did with my order.
11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91605	Web
This complaint submission is in regards to a false credit report by ( XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative whose name is XXXX XXXX was extremely aggressive and stated they will not cooperate in a XXXX XXXX. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the Fax number and mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/XXXX of XXXX, was confirmed through FAX and CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by XXXX. XXXX XXXX has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and XXXX. XXXX XXXX is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
02/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32803	Web
Someone with the same name as me, the same date of birth, who failed to pay the balance of their account and failed to return the equipment to XXXX ( XXXX XXXX ). This is the second time XXXX has misreported a collections account as me. A few years ago I saw an account show up on my credit report as in collections. I disputed the account with XXXX, and within a few weeks it was removed. This time when I disputed this new account in collections, XXXX said that they confirmed it was my account, so I contacted the collections company I.C. SYSTEM INC. on XX/XX/XXXX to gather all the information I could on the account and see how this could be resolved. I spoke with a XXXX ID # XXXX who confirmed that the only information that matched mine was my name XXXX XXXX, and my date of birth, XX/XX/XXXX. The service address, phone number, email, is different. XXXX told me to contact XXXX and submit a fraud case. I contacted XXXX, opened a fraud case ( XXXX fraud case # XXXX ). The agent I spoke with confirmed that the social security number on the service account the collections account is regarding does not match my social security number, so I disputed the collections account with XXXX again, uploaded scanned copies of my driver 's license, social security card, and passport. XXXX closed the dispute on XX/XX/XXXX with the findings that I.C. SYSTEM INC. confirmed the collections account is me. So when I saw this today ( XX/XX/XXXX ) I called I.C. SYSTEM INCXXXX at XXXX XXXX EST to ask how they are confirming the account belongs to me. The person I spoke with said that when XXXX investigates the dispute, they just confirmed the information that they have, which in this case, is just the name XXXX XXXX and the date of birth XX/XX/XXXX. I.C. SYSTEM INC. said they do not have this person 's middle name and they do not have this person 's social security number. XXXX is asking me to file a police report claiming identity fraud, but I do not believe this other XXXX XXXX used my identity to open an account, I think XXXX ( XXXX XXXX ) is improperly reporting the information to their hired collections company I.C. SYSTEM INC. I have an active service account with XXXX and I believe they're misreporting that information. It is extremely frustrating that this is the second time XXXX has done this, docking my credit score, taking up a lot of my personal time, and causing me undue stress.
11/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90068	Web
My late father, who died in XXXX, had 2 telephone line accounts with XXXX XXXX XXXX since the XXXX : a primary residence line and a secondary fax line for his at-home law business. I moved in with him to care for him as he became ill shortly before he died ; after he died I continued making the monthly payments for both lines, but I did n't need the secondary fax line anymore since I do n't use fax machines. Moreover, the fax line was disconnected by an XXXX XXXX XXXX XXXX technician who was trying to fix the primary phone line XXXX excessive static, dropped calls XXXX. I told the technician to just close the fax line account since it has n't been used for a couple of years since my father died. Then I called XXXX XXXX XXXX and told them to cancel the fax account & upgrade the DSL service on the primary line. But instead of closing the account, they just kept billing me for another 2 months. They refused to close the account & instead kept billing me ; for 2 years I paid every monthly bill even though I never used the fax line, and after the tech disconnected it, I closed it then stopped paying the bills. That is where the current debt originated, but it was only my father 's account all along since he alone signed the contract & he alone used the account. XXXX XXXX XXXX then reported it to the credit bureaus under my father 's name over 5 years ago. So not only is the debt not mine, but there should n't be ANY debt at all since I closed that account many years ago. Then, about 2 months ago I get a letter from a collection agency threatening to report me to credit bureaus if I do n't pay this debt. I call them, IC Systems, Inc., explain the above and they hang up on me after a heated argument. Then two weeks ago I get another letter offering to settle the supposed XXXX XXXX XXXX debt of {$280.00} for {$84.00}. And a week ago I get a credit alert that a new collection account has damaged my credit profile. So a debt that is n't even mine & is n't even legitimate is now ruining my otherwise perfect credit history. So I go to IC System 's website & pay the {$84.00} in order to end this nightmare & remove the fraudulent collection account from my credit report. But after I make the payment, a get a message from IC System that I still owe {$190.00} on my account!!!! Furthermore, the fraudulent account is still on my XXXX credit report doing severe damage to my credit score!!
07/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33028	Web
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
04/01/2021	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	AL 364XX	Web
IC Systems inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by IC Systems. The response I received from the bureaus stated IC Systems had verified the entry, yet they did not respond to my letter. My certified letter was not returned ; therefore, the company was in receipt and blatantly refused to respond, yet still report. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. I sought validation and not verification. This is a very misleading practice and a violation of my consumer rights. They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that IC Systems inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. IC Systems must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for XXXX XXXX, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
03/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 225XX	Web
Good afternoon, I am writing to file a complant against, XXXX XXXX, I.C. Systems located in XXXX XXXX, MN. On Friday, XX/XX/XXXX at XXXX XXXX my husband, XXXX XXXX received a call from I.C. Systems. The call as received from phone number XXXX. The caller represented to my husband they were looking to speak with me, XXXX XXXX. I immediately searched the website for a number with I.C. Systems to avoids any scams etc. I made contact with an employee who transferred me to a collection rep. Per our discussion, I was made aware they received a bill from XXXX, and that I owed money, when I questioned and suggested I would speak with my attorney, I was told they could no longer engage in conversation with me and to have my attorney call them. I reached out to XXXX, XXXX and XXXX later that day to discuss the alleged debt. It was agreed the attorney would send a letter on my behalf, ( see attached ). I would also like to add I have received no bills from XXXX and the only contact from I.C. Systems was the call I initiated XX/XX/XXXX. As it relates to XXXX, I switched carriers sometime in XX/XX/XXXX to a competitor, part of the new service they agreed to pay my phone devices in full. I used monies received from the new service provided and paid XXXX XXXX on XX/XX/XXXX. After my payment was submitted I was told verbally no other money was due for this account. Again to reiterate I had no calls from XXXX or notice for any other monies due for this account. I.C. Systems sent me an email which was the only form of communication shortly after my initial contact in XX/XX/XXXX. The attachment received was for me to complete my attorney information, print, sign and mail to I.C. Systems. I also tried responding to that email which popped back and not delivered. I confirmed with XXXX XXXX, Attorney that drafted the letter to the collection agency, date of letter XX/XX/XXXX, no response has been received to his letter. This was confirmed verbally over the phone today, XX/XX/XXXX. I have simply requested to prove this debt belongs to me and provide me the required information as again I was told the XXXX account was paid in full. I confirmed on XX/XX/XXXX that I.C. Systems has now placed a collection on my credit report for an amount of XXXX which is different from the billing notice received which shows an amount of XXXX. I am requesting further action against this collection agency.
02/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 334XX	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX I C SYSTEM 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 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 the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
01/09/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	IA 52246	Web
I have never had an account with this company XXXX XXXX. IC SYSTEM, INC. 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 according to 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. Code 1692a ( 3 ) You are IC 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 further efforts under 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 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. 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 1692f Unfair practices ( 8 ) 9. Under 1692g ( b ) 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 for 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 concerning information disclosed to any person related by common ownership or affiliated by corporate control, based on the above information, IC SYSTEM, INC. is in violation of the U.S. Code 1692 and 1681.
06/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94044	Web
Closed our account with XXXX XX/XX/XXXX. They continued to automatically charge my credit card on file for an additional months bill in XX/XX/XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since XX/XX/XXXX, they continue to refer me to their 3rd party collection companies. First with XXXX XXXX XXXX, which, after numerous emails to them including copies of XXXX chats, I finally filed a claim with CFPB ( XXXX ) that helped get resolution with XXXX and I thought with XXXX. XX/XX/XXXX, I received a new letter from a different collection company, IC System. I contacted this company by phone and was told that I could not submit proof that XXXX had cleared the matter by email, that I would have to send by mail. I noted I would submit a claim on CFPB. About 1 week later, I gave birth to my XXXX child. I had not heard back from the Creditor, so I hoped it had been cleared by XXXX and there had just been time lag, since I have received nothing but the first letter from IC System. I just checked my credit score ( XXXX XXXX, XXXX ) thru my credit card and have a debt collector issue. IC System and XXXX are the only possibility. I have not been negligent, I have contacted XXXX, XXXX, and IC System at every step of the way as possible. I continue to be told by XXXX that the issue has been resolved and no debt is due by XXXX, only to find out later by written mail that they have escalated the claim to different Debt Collectors. At this point I feel XXXX is harassing me and has cost me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get ATT to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? Thank you
10/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63146	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 Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 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. 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 ). 1. Validation of the debt ( i.e. the actual accounting showing
04/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OK 73170	Web
I am purchasing a home & 30 days prior to closing, my credit is run again and an account with IC Systems appears as a new collection account opened in XXXX XXXX for {$530.00}. I called IC Systems many time s trying to identify where they were getting their information. I knew I had n't opened anything ... I was trying to close on a home & this was preventing it. They gave me the line ... '' this is an attempt to collect a debt ' & only wanted to know how I was going to take care of it. I explained this had to be a mistake because I had n't opened anything. They said what they reported they received from the creditor. On another call to IC Systems, I ag ain try to explain the information they are reporting is not accurate. I again, am given the " this is an attempt to collect a debt ' line & how would I like to pay '' line and If I do not like what is being reported, I can go through the bureaus and dispute it. On my 3rd to IC Systems, they again give the " this is an attempt to collect a debt ' line & how would I like to pay '' line and I am trying to plead my case to them that the information is not accurate & they are costing me my home. They say if I just go ahead a pay it, they can update with the bureaus over the weekend and it would show paid on my credit reports the following week, as paid. I find this more than frustrating. After more investigating, I discovered XXXX collection accounts on my credit report from XXXX - XXXX f rom the same creditor equaling the {$530.00} that had been removed in XXXX . I called IC Systems for th e 4th tim e and again get " this is an attempt to collect a debt ' line & h ow would I like to pay '' I am furious because now I know this information is being reported inaccurate for sure. I asked how they could report that information to the bureaus knowing it was false. They again tell me to pay or dispute. I also went online to their website on XXXX & filed a complaint there. It said someone would contact me ... still waiting. I then called XXXX XXXX in hopes they would clear this up. The representative confirmed it was from XXXX but maybe it was sold or something to another collector. I asked that they change how they reported that & she said they could n't because it was sold ... wow! No help ... Truly & helplessly unreal!
10/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44120	Web
XX/XX/2019 I sent a certified letter to IC Systems for reporting a debt to the credit reporting agencies without validating debt for {$11000.00}. I received a returned receipt from IC systems stamped stating they received the certified letter requesting validation of debt on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received an alert that IC systems has updated my credit report stating the debt was verified. How was it verified and validated with the credit reporting agencies and not the alleged consumer ( myself ). After receiving the dispute, IC Systems must send me proof by XX/XX/2019 ( which is 30 days ) that this company owns or has been assigned the debt by the Original Creditor. 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. If the debt collector does not send sufficient proof of the debt, it is not allowed to continue collecting the debt from me or report fraudulently ( that is a violation under FCDPA ). That includes listing the debt on your credit report. I have submitted a dispute with the CRA that hasn't been adequately validated with the credit bureaus. 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 requested that the company provides me with competent evidence that I have any legal obligation to pay them. Due to this fact, if any negative mark is continues to report on any of my credit reports by your company or the company the 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.
07/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 183XX	Web
XXXX XXXX XXXX XXXX XXXX. XXXX, PA, XXXX The debt collector, I.C Systems has reported a collection to my consumer report without any initial communication with me, the consumer. Debt collectors can not report any alleged debt to consumer reporting agencies without first communicating with the consumer [ Federal Trade Commission v. Midwast Recover Systems ]. This is a violation of the FDCPA, 15 USC 1692g. Therefore, I was not notified of the amount of the alleged debt, the name of the alleged creditor who is also defined as a debt collector by law, nor any statements. Pursuant to 15 USC 1692c, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate with anyone, in connection with the collection of any debt, other than the consumer, and their attorney. I did not give any consent to whoever I.C Systems has purchased this alleged debt from, neither did I give consent to I.C Systems or any consumer reporting agency to report this alleged debt to my consumer report. This is not only an invasion of my individual privacy, but also detrimental and harmful to me as a consumer as said so by congress under the FDCPA and the Gramm Leach-Bliley Act. Pursuant to 15 USC 1692g the failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability. Although, the debt collector, I.C Systems violated my rights and did not give me a chance to dispute the validity of this alleged debt, does not mean that they have any legal authorization to validate any debt they can only assume so. An assumption is not validation. I.C System has violated my rights as a consumer under the FDCPA, FCRA, and the Gramm-Leach-Bliley Act so the specified remedies for these violations are : 1. XXXX out the balance of this alleged account. 2. Deletion of the alleged account and all references of the alleged account from its records. 3. Remove of this account from my credit file. As written by congress the failure to comply with the specified remedies of this alleged account makes you liable under section 1692k of title 15 and 1681n of title 15. As a consumer, I do not give you consent to contact me again unless it is notifying me of the deletion of any and all references of this alleged account and the removal of this account from my credit file. Best Regards.
09/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
I do not owe any Debt nor Have I ever had an Account with " I C SYSTEMS COLLECTIONS '' I have Resolved this matter With the Original Creditor. To Whom It May Concern, I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely,
12/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43213	Web
Notice for Proof of Claim Account : I C SYSTEM INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
05/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32216	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX 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 XXXX, XXXX, FL XXXX
06/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43227	Web
Notice for Proof of Claim Account : I.C. System, IncXXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
12/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30350	Web
I would like to file a complaint against I C System Inc for not complying with the FDCPA, which requires that they notify me of a debt via mail. I did not receive notification of debt by mail or telephone. I was notified by XXXX credit agency that I have a collection account that drastically dropped my credit score. On XX/XX/XXXX, at XXXX, I received an alert from XXXX that a change occurred on my credit report. I logged onto the XXXX site and noticed my credit score dropped 30 points due to a collection file submitted by I C System Inc, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The amount is {$360.00}, and the original creditor is XXXX XXXX XXXX XXXX. I called I C System Inc at XXXX XXXX and spoke with debt collector XXXX XXXX. Our call lasted 9 minutes. Mr. XXXX asked me to verify my address at the beginning of the call. I gave him my current address, which I have lived at since XX/XX/XXXX. Mr. XXXX asked me to verify my previous address, I gave him the previous address I resided at for 3 years prior to moving to my current address. Mr. XXXX asked if I ever had a PO BOX , and I replied, " No ''. I repeated my previous address again. Mr. XXXX asked me again if I ever had a PO BOX address. I told Mr. XXXX I have never had a PO BOX in the state of Georgia. ( I have lived in the state of Georgia for 5 years ). Mr. XXXX asked me to repeat my current address and asked if the number I was calling from was a good number to contact me. I told Mr. XXXX bill was invalid and should have been covered by my previous health insurance company. Mr. XXXX told me debt was for date of service XX/XX/XXXX, and my statute of limitation has run out to get my insurance company to cover it. Mr. XXXX said he has been in this business for a long time and was certain I was too late to submit to my previous insurance company. Mr. XXXX asked me to allow 30 days for him to receive an initial bill from the creditor that I could submit to my insurance company. He also suggested I contact creditor directly. I disputed item with XXXX, and I C System reported the item as being correct. I was not given the opportunity to address this debt and get it resolved once it was sent to their office. Mr. XXXX confirmed on their recorded line that they had a PO BOX address for me. I am certain that the USPS would have returned invalid mail to their office.
08/19/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
XXXX XXXX Reported an amount of XXXX balance owed. XX/XX/XXXX I went to care facility XXXX XXXX XXXX fl XXXX I went because XXXX Hospital advised me to go to XXXXXXXX XXXX in XX/XX/XXXX. As I did not have an emergency from a vehicle tap incident on XX/XX/XXXX I told XXXX XXXX that I was feeling XXXX from tapping a vehicle at 5 miles an hour at a light, as the passenger was 5 months XXXX. I paid XXXX XXXX a XXXX, co payment, gave them my XXXX insur info and county coverage id card for XXXX insurance. In XX/XX/XXXX, 2nd comract, XXXX XXXX XXXX calls me to say I owe XXXX. I asked her to send me the bill saying what insurance paid or didnt pay to reflect balance. XXXX stated they sent it, and If I don't pay its going to the credit bureau. I reminded her to send me an email, that I am not going to give anyone a cc card over the phone without documentation. I asked her why there is even a balance as I have a secondary insur which pays 80 %. XXXX said XXXX XXXX policy is not to Bill 2nd insur. I reminded her that the state of Fl bills all insur and can seek remedy for outstanding monies after all insurance have paid their portion. I did not have injuries the date of XXXX. Only after a week did I go to hospital to ask to be seen for follow up. XXXX Hospital south advised to go to XXXX XXXX because I did not have an emergency injury or primary Dr . In XX/XX/XXXX XXXX XXXX XXXX collection agency contacts me to pay XXXX I told them same info. Not paying anyone anything without an email with backup on what amounts if any, were not paid by insurance from XXXX submission. I called XXXX and they confirmed they never recvd any claim. I told XXXX I will pay any bill I owe, but not without proper protocol. XXXX said they do not have any info on my acct, only whats owed and due, due to hippa law, they couldn't tell me even if they had info, I asked what do invoices with codes have to due with personal health info. XXXX said they will return file to XXXX XXXX for update and close file until XXXX XXXX updates. I will pay all my debts if procedures are followed, but not pay with our proper insurance of all insurance on file being billed accordingly. So far credit bureaus showing 1 of 3 bureaus as closed, but all gave XXXX amounts owed. This collection account is not accurate as reported, and is damaging my score and profile.
12/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43227	Web
Notice for Proof of Claim Account : I.C. SYSTEM, INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
01/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 085XX	Web	Servicemember
I was hospitalized at the XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX for approximately 12 days. At the time, I had no insurance coverage. As a XXXX XXXX veteran, medical bill assistance was available to me. Additionally, the hospital had a program that enabled the forgiveness of all related debt for the hospital stay and treatment for which I qualified. Immediately after my hospitalization ended, I applied and was accepted into their medical forgiveness program. Within 120 days of my hospital stay, I received a letter from the hospital notifying me that the entire hospital stay and all related treatment debt had been forgiven. Approximately 9 months after my discharge from the hospital, I received a letter from IC Systems notifying me that I owed approximately {$6500.00} for an unpaid medical bill from the XXXX XXXX XXXX XXXX Hospital of XXXX XXXX, NJ. I immediately called the hospital. During the call, I was told that I had no outstanding or unpaid medical bills. Further, the hospital spokesperson stated that not only was the information about the bill incorrect, but that the hospital did not use IC Systems to collect their delinquent debt. After I completed my inquiry with the hospital, I called IC Systems. Their spokesperson stated that she would look into the validity of the bill, but it was solely my responsibility to satisfactorily resolve the matter. IC Systems never followed up or acknowledged this telephone conversation. On more than one occasion, I have attempted to have this debt removed from my credit report with XXXX and XXXX. The reply from both credit reporting agencies has been that the debt appears to be valid. I noticed today that IC Systems has changed the classification of the debt on the XXXX report to show that they are the lender and I am the " borrower '', as of XX/XX/XXXX. Clearly, that is an incorrect statement. The alleged debt is not valid. I believe that IC System, XXXX XXXX XXXX XXXX XXXX XXXX, MN is committing a fraud with the goal of collecting a fictitious amount at my expense. In the meantime, my credit score and family are suffering because IC Systems regularly modifies their notes to give the appearance of fresh or renewed collection efforts. At this point, I have been held captive by IC Systems for nearly 4 and half years!!
11/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33428	Web
Todays date:XX/XX/XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX IC SYSTEM 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 IC SYSTEM 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 XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
01/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98040	Web
Around XXXX XXXX, I was notified by my bank that my credit score was significantly and negatively impacted. Following up on the issues, it appeared that XXXX XXXX XXXX ( in XXXX, IN ) reported me for two unpaid bills for the total of {$250.00} to the credit bureau and the I.C. SYSTEM, INC collection agency for the bills that I had never received. In the following days after I received the notice of my credit loss, I contacted the XXXX XXXX XXXX to inquire about the unknown bills, despite multiple calls and requests to speak to someone in the finance office, they hung up the phone. In the meantime, I paid the unknown bill to I.C. SYSTEM, INC, while at the point I still did not have a bill or an itemized invoice. After spending over 40 hours between contacting my bank, the collection agency, the credit bureau, and the XXXX XXXX XXXX, I finally received a bill that indicted two days of visit in XXXX and XX/XX/XXXX. I tried to dispute the charges pertaining to the visit in XX/XX/XXXX, which was denied by the XXXX XXXX XXXX. The nature of my dispute was that due to extreme XXXX XXXX XXXX XXXX I made a visit to the XXXX XXXX XXXX, and that was my final visit which was towards the end of XX/XX/XXXX. On the day of the visit, I told my doctor and the nurse that I was suffering from a XXXX XXXX XXXX. The doctor used a swab to check if my throat had any infections. At the end of the visit, she mentioned that I did not have any infections but they would have to send the swab to the lab for further examination. Despite my XXXX XXXX XXXX the doctor sent me home while not prescribing any medication for me. After 10 days of suffering at home, while I kept calling the clinic back to get some medication for my temperature and sore throat, I finally received a call from the clinic indicating that my results came back positive, meaning that I had a XXXX XXXX, while the doctor missed it on the day of my visit and caused me XXXX XXXX Due to this clinic 's negligence in not providing me with the appropriate and timely care that I needed, my XXXX XXXX continued until XX/XX/XXXX, while the XXXX XXXX XXXX XXXX XXXX, and I experienced XXXX XXXX XXXX for an extended time which was examined and cared for at another medical clinic. I expect to be fully refunded for the amount I was charged by XXXX XXXX XXXXI.C. SYSTEM, INC.
02/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93309	Web
I don't know what's going on here. On the XX/XX/XXXX I filed a complaint against IC systems because they were trying to collect money I didn't owe and was never notified about. IC systems responded to the complaint through your portal saying they sent me a letter explaining what steps took place or their results for my complaint. They did this because in their response they said they couldn't verify who registered this complaint? I've been waiting patiently for this notice to arrive in the mail and it's never arrived. Now I am REALLY ANGRY. The whole basis of this complaint was the fact a collection was placed on my report without my knowledge. No notification was ever received by the creditor whom I left in good standing nor the collection agency. Now I receive what is a RIDICULOUS response to this complaint by the same collector saying they can't respond to me through this portal because they can't verify who I am but will instead send me a notice that I have been eagerly awaiting to no avail. Is this what a complaint to the C.F.P.B. looks like? Consumers file complaints that never get answered or resolved? Collectors can just write responses akin to a " bait and switch '' tactic? I am filing this complaint because IC Systems should not be allowed to just leave this complaint unanswered. The case number to my previous complaint is XXXX-XXXX. IC Systems should know better than this. They have my address which was provided to them numerous times in my conversation with them on XXXX. They have now had ample opportunity to send me what they said they would. Because I have not received anything from them EVEN after I have called to complain to them and filed a complaint to your bureau, I consider this proof they are not providing me with any notices and are now willfully disobeying the law and your bureau. I am being serious here. Do I really have to spend time and money to sue them over a collection this small which was never handled properly? If the answer is yes, then I will gladly do so. I will not allow them to jeopardize me obtaining credit on favorable terms or with higher rates for several years. I am filing this complaint so you know what IC systems is doing and so you can possibly look into their practices. If they are blatantly doing this to me, how many others are they doing this to?
01/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web
The issue seems to be that IC Systems claims that I owe XXXX XXXX XXXX XXXX an amount of XXXX. IC Systems also made a delinquent remark on my credit report. When I requested them details and breakdown of amount and my permission for services solicited IC Systems never provided it. Instead they said I had paid it and closed the delinquency charge but left it showing as delinquent for XXXX months. When I stated that I had not paid a single penny and why they closed it and left it as delinquent for XXXX months they re-opened on the outstanding amount. XXXX does not allow for the website to allow for reopening the dispute. So I had to call them and manually open a dispute. My chief complaint with IC Systems is that they have not provided me with details of delinquency charges but continue to report it. I have contacted them in writing and they have not responded. I received a call from IC Systems using a number " XXXX '' and spoke to XXXX. She asked me if I was disputing the debt I said yes. I also informed her that I had requested details of the debt and my authorization and for proof of having requested the service she/or XXXX claimed XXXX me. I have had no documented proof of the same either from IC Systems or XXXX. I also informed her that despite me not having paid any amount the debt was flagged as paid, closed. This is incorrect and paints my credit in a bad light. She then offered to settle the 'outstanding " debt for half the amount. I said I would not pay a single penny until I see proof of my authorization for services they ( XXXX and or IC Systems ) claim I requested. She mumbled some response that I was not able to comprehend. I also asked her how can they mark it as Paid when I had not paid any amount. If I had paid as IC Systems says then why are they demanding half the amount as per the recorded call. She said they will leave it like that and IC Systems would not take further action. I request that CFPB request them for proof of the transaction or remove any mention of debt or collection. In summary I have requested in writing and orally proof of details of the debt being claimed and they are not providing the same. As a honest citizen please assist me in getting assistance to resolve this matter. Thank you. XXXX XXXX XXXX : My letters to IC System are enclosed.
04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33312	Web
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
07/07/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30157	Web
On XX/XX/XXXX I had a procedure performed by XXXX XXXX c/o XXXX XXXX XXXXXXXX for XXXX XXXX XX/XX/XXXX I had not received a bill and I reached out to XXXX XXXX XXXXXXXX by phone and spoke to Team Leader XXXX XXXX XXXX I communicated that my insurance company had been billed {$17000.00} and that I had not received a bill. I communicated that {$17000.00} far exceeded the amount I had agreed to prior to the procedure. XXXX told me not to worry about it, that {$17000.00} was an incorrect amount and they just sent that to the insurance company. I requested that a bill be mailed to me. After the call XXXX then emailed me a partial Account Review summary via an insecure email. The Account Summary appeared to be incomplete as the Insurance billing portion was cutoff. No bill came in the mail ever. I called back and I requested no further emails since the email was insecure. They told me a bill would be mailed. XX/XX/XXXX I spoke to a XXXX at XXXX XXXX XXXX, because no bill had been received. I informed him that an insecure email was sent with a partial summary on XX/XX/XXXX, but no bill was received. Called back and spoke to XXXX on XX/XX/XXXX and spoke with XXXX. I informed XXXX I dispute the amount, since no bill had been received, and they had billed my insurance {$17000.00}. Since I never received a bill and it appeared they were billing my Insurance {$17000.00}, which was egregious and conflicted with the amounts initially disclosed. It showed a balance of {$1700.00}, but it was not complete and the insurance part appeared to be cutoff. XXXX A {$200.00} check was mailed with the memo -Paid in Full- I had openly disputed the amount with them on XX/XX/XXXX and mailed the check on XX/XX/XXXX to XXXX XXXX PC of XXXX, IL XXXX This information was obtained from the partial Account Summary I received on XX/XX/XXXX. The {$200.00} payment in full cleared my checking account on XX/XX/XXXX. I received a collection letter from IC System for this account. The {$200.00} payment is reflected as being received and applied to a {$17000.00} balance, showing {$16000.00} as in collection. The procedure never, never was supposed to {$17000.00}. The doctor even apologized to me after the procedure, because he could not keep future appointments and said he had resigned and all of his staff had quit.
02/21/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91405	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC System , Inc., for committing identity theft. I have never given IC System , Inc., any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with IC System , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving IC System , Inc. any right to collect on this alleged debt. I have never received any documentation requesting validation from IC System , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC System , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC System, Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC System , Inc., continues its collection efforts, I will file for litigation for actual damages caused and IC System , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
06/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
I received notification via a credit monitoring service that this company named IC SYSTEM added a fraudulent debt from XXXX on my credit report. IC SYSTEM HAS violated my rights under the FDCPA AND FCRA ACTS. I was never notified of this debt in any way fashion or form to request validation before they reported negative information on my credit report. Im seeking immediate monetary relief as well as deletions to all credit reporting agencies not just the major three but all data repositories and data furnishers. Here is also my Debt Validation Request! Dear I.C. SYSTEMS, I am writing in regards to the collection account IC SYSTEMS reported to the CREDIT REPORTING AGENCIES I have no knowledge of this alleged debt. I am requesting that you provide me with full validation of this account as required by law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and I am requesting that you provide me with the following information : 1. The name and address of the original creditor. 2. The original account number associated with the alleged debt. 3. The date of the alleged debt. 4. Documentation proving that I am responsible for the alleged debt. 5. Itemized statements showing all charges, including fees and interest, associated with the alleged debt. 6. Amount of debt 7. Proof that you are licensed to collect debt in the state that I'm in 8. Proof of the last payment made on this account I am invoking my rights under 15 USC 1681G of the FCRA to request this information, which requires that you provide me with a complete and accurate accounting of the alleged debt. I am also requesting that you cease any and all collection activities until you have provided me with this information. Also if your reported negative information to any and all credit reporting agencies you must removed until a full investigation is complete. If you are unable to provide me with this information, I request that you immediately remove this alleged debt from my credit report and cease any further attempts to collect on this debt. I have no problem suing your company as a whole, along with its companys shareholders, employees, and register agents Thank you for your attention to this matter. Sincerely, XXXX
07/25/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76502	Web	Servicemember
I am writing this formal complaint to express my serious concerns about the unprofessional and illegal actions of IC System Inc. ; reference : ( XXXX ) who have persistently engaged in actions that are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ). In particular, the agency has violated the following sections of the FDCPA : 1. Section 806 ( 5 ) : This section prohibits a debt collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. However, the collection agency has been calling me multiple times per day, including before XXXX XXXX and after XXXX XXXX, which is clearly aimed to harass and intimidate. 2. Section 807 ( 10 ) : This section prohibits a debt collector from using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Despite this, the agency has threatened me with actions they can not legally take, such as wage garnishment and imprisonment, which is an egregious breach of this statute. 3. Section 809 ( a ) : Under this section, within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall send the consumer a written notice containing various details about the debt. I have yet to receive any such written communication from the debt collection agency, demonstrating a disregard for my rights under the FDCPA. 4. Section 805 ( b ) : This section specifies that a debt collector may not communicate with any person other than the consumer in connection with the collection of any debt. However, the agency has repeatedly contacted my family members, friends, and employer, causing me personal embarrassment and potential professional harm. The actions of the debt collector have caused significant emotional stress and damage to my personal and professional relationships. The collect reminder does not even include a full list of might rights under federal, state, or local laws. I would like the CFPB to take strong action against the debt collector and to ensure that the company complies with the FDCPA and does not attempt any further action to collect this illegal debt.
07/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33414	Web
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
10/07/2020	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 Investigation took more than 30 days	VA 22191	Web
I am filing a complaint of non-compliance against the following collection companies : 1 ) I C SYSTEM ( XXXX XXXXXXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) 4 ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
09/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 122XX	Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
03/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34748	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
09/24/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	MI 48227	Web
I choose to stay with the CFPB policies and I will continue to speak with you through the protection bureau. 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.
04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60172	Web
I would like to take action against I.C. Systems for knowingly violating my rights under the fair credit reporting act - Section FCRA 623 ( a ) ( 5 ) ( A ). I had a debt that was suppose of been taken care of back in 2018. I do not owe this debt. I have fought XXXX XXXX to get this bill credited back to my account. I had XXXX XXXX service in 2018. In XXXX of 2018, i had moved to a different area. XXXX XXXX informed me that they would not be able to connect service in my area do to lack of signal. They said they had no choice to let me out of my contract. They said the early termination fee will be waved in this case. I returned all 3 cable boxes which i enclosed a receipt for. XXXX XXXX applied the early termination fee to my account anyways, along with equipment charges that was returned. I kept calling them to credit these charges back. They finally did in XXXX of 2018. A few years later, i get a bill from a collection agency reapplying these charges. I been fighting these collection agencies because they been illegally selling back this debt when there is no amount owed!!! This is unlawful! Now this collection agency sent me a new bill for the same charges! IC systems has violated my rights by changing the original last day of payment made on this account. The last delinquency date on this account was in XXXX XXXX. I have not made a payment on this account since then. Any past due amounts i have already paid. These charges are for equipment charges which was returned, and for an early termination fee which was suppose to be waved! I have enclosed a few bills i received so you know i am telling the truth. By law, when a collection agency buys a debt, they must keep the original last date of delinquency on the buyers credit report. They are not allowed to change this date in anyway! This is what they call the time of limitations of a debt. The time a debt can legally stay on someone's credit report. They took it upon themselves, and changed this date to the date they bought this debt! This is illegal and unlawful!!! This is not counting the fact that the debt is not even owed! I want to file charges against I.C. Systems for violating my rights under the fair credit reporting act for damages done to my report! I have enclosed documentation for this account.
01/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32835	Web	Older American, Servicemember
I was a former customer of XXXX XXXX XXXX XXXX formerly XXXX XXXX for 17 consecutive years. I used their services at my various homes over the years without incident until I moved to XXXX, Fl. I followed the routine process to return equipment and tally up my account before transitioning to my new home. When I moved to XXXX, FL from XXXX XXXX, FL I decided to change providers and not continue with the XXXX service. My new XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX began service on the date I terminated my contract with XXXX. There was no additional month or additional fees or equipment missing when I transitioned these services. I am XXXX years old and have owned and lived around the country ; obviously a mundane change in accounts is routine. However, XXXX billed me for {$230.00} claiming I owed this debt. I disputed this debt through numerous phone calls and correspondence explaining this debt is not legitimate ; and was assured each time ( by XXXX initially ) it would be resolved. Instead, I was sent to collections and have been harassed by various collection agencies requesting written notice in 30 days to dispute the claim ( standard language used ) and have disputed each claim for these past 4 years. I have evidence of these communications, where the incidents are temporarily resolved to my satisfaction after tremendous effort and oversight on my part only to begin again when the debt is sold. This tactic of changing collection agencies and resuscitating attempts to collect on a fraudulent debt is harassment ; there is no other explanation after trying to resolve this issue in a reasonable manner. I am requesting your assistance as I have exercised my due diligence in resolving this concern since 2017 ; and I am going into my fourth year experiencing this harassment. I will not pay fraudulent expenses attributed to me that are not legitimate. I have an outstanding credit history and have always paid my debts on time. XX/XX/XXXXhas not exercised good faith and has certainly lost my good will for the barrage of incessant harassment towards me, a long-standing customer that responsibly paid each and every bill over numerous years and attempted to resolve this concern. I thank you for working with me and look forward to hearing from you. Regards.
10/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93292	Web
I was a XXXX XXXX service customer and in XXXX we planned to move to another home in the same neighborhood. I called customer service to ask my service to be moved to the new address. I was told there would be no additional charge for the move. After they hooked up service at my new address I received a bill from them for the move for {$370.00}. I disputed the bill with them and reminded them that their customer service representative told me there would be no charge for the move since we were already customers. Despite several calls to customer service and repeated requests for them to remove the charge, the charge was not removed. In XX/XX/XXXX we received a collections bill from XXXX XXXX XXXX for {$370.00} for XXXX. I disputed the bill by phone and I was told that they would contact XXXX and get back to me. They never responded. In XX/XX/XXXX I received a collections bill from IC Systems for {$370.00} for XXXX. I disputed the charge again by calling IC Systems. They stated they would speak with XXXX and call me with their findings. They never responded. In XX/XX/XXXX I received a collections bill from XXXX XXXX for {$370.00} for XXXX. I sent a letter this time on XX/XX/XXXX stating " If you believe that I am responsible for this debt please mail me a copy of the relevant documents. Please record that I dispute this debt. If you forward this debt to another company and/or report it to a credit bureau please indicate that the debt is disputed. '' I never received a response. Upon review of my credit in XX/XX/XXXX I saw that I had a collection reported for {$370.00} from IC Systems for XXXX. I contacted IC Systems by mail disputing the debt and making the same statement as I did in my letter to XXXX. They never responded. Upon checking my credit in XX/XX/XXXX I saw a collection reported by IC Systems for {$370.00} for XXXX that states it was opened on XX/XX/XXXX and last reported XX/XX/XXXX. This charge has been disputed since XXXX. This collection is continually sold to different collection agencies and therefore reported as newly opened every year on my credit report since then. I have never received any response to my dispute of this debt from XXXX. I have never received a response from any of the collection agencies who have notified us of this debt.
06/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44128	Web
I have disputed this debt numerous times. I sent I.C. System a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute I.C. System has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to I.C. System : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
02/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI XXXXX	Web
Good afternoon, I am writing in regards to a XXXXIC Systems Collection that has been filed on my credit report. I was un aware there was any outstanding balance to XXXX whatsoever. If you review my history with XXXX I have always paid my balances in FULL. In XXXX of 2020 I moved over to XXXX due to carrier and signal issues I incurred when the merged with XXXX. XX/XX/2020 I cancelled one line, XX/XX/XXXX I cancelled the second, XX/XX/XXXX I cancelled the third, then on XX/XX/XXXX I cancelled the 4th line. Since then I continued to receive bills in the mail and they never did cancel the service. I called and spoke to a XXXX rep on XX/XX/2020 to discuss and figure out what happened and why they didn't cancel the account and why i was still being billed. XXXX could not give me an answer and couldn't figure it out. They stated I had a device to turn in so they sent me a box to return the device on XXXX/XXXX/2020. Since then I never heard anything from them until I was notified via XXXX they sent my account to collections. I called IC Systems the day I received notification from XXXX and they had no clue as to where the total came from and said I had to call XXXX, I called XXXX and they also could not explain why they didn't cancel the service back in XXXX, nor could they explain the charges. They informed me the charged me for the device i sent back because it was damaged and that makes no sense what so ever. The phone was in perfect working condition when I sent it in, if it was damaged I wouldn't have sent it back to them, It would have been cheaper for me to buy the device from them vs sending it back. I have disputed this with XXXX and also IC Systems twice and I get nothing from them other than a note on XXXX that says ( Meets requirement of the Fair Credit Reporting Act ). This is not am acceptable explanation. I offered to pay them XXXX $ but neither IC Systems or XXXX said they had the authority to accept an offer, so who do i need to speak with? They are both trying to collect money from me that is in accurate but neither of them know nor can explain the charges listed on my report. In closing I want this removed from my reports, this account should have been closed via XXXX back in XXXX of 2020, they did not .... Thank you for your time,
01/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72120	Web	Servicemember
I received a collection letter dated XX/XX/XXXX from I.C. System demanding {$150.00} from me for a medical bill they stated I owe to them. Because I did not recall having medical services with their company nor XXXX XXXX and XXXX. On XX/XX/XXXX, I sent a debt validation letter to I.C. Systems requesting that they provide me with The name and address of the original creditor, the account number, and the amount owed. A copy of the original contract that I signed for services. Verification that there is a valid basis for claiming I am required to pay the current amount. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor : a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Proof of your authority to collect this debt, whether you are licensed in my state and if so, provide the date of the license, name on the license number, and the license number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I was shocked when I received a letter dated XX/XX/XXXX that had an attached letter that was a medical report with my PHI. I never signed a release, I never provided a copy of my state issued identification card, nor did I fill out any forms requesting a copy of my medical report. I.C. System negligently released my PHI to an unknown source without any written consent. Even more concerning is the accounting information listed on the document that I.C. System provided to me. The total amount states {$150.00}, the payment/adjustment states {$150.00} and the balanced owed states {$0.00}. I.C. System has engaged in HIPPA violations, they have violated my civil rights and they are attempting to collect on a debt that has a XXXX balance according to their own records. I am requesting that this company cease all contact and collection efforts with me. I am also request that there be an audit and an in depth investigation into the collection practices of this company.
10/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NE 68154	Web
I was alerted that I had an account in collections as via a credit monitoring app in XXXX of XXXX. I then reached out the collections agency to find additional information on this debt. ( IC Systems was the agency ). The Debt was owned by XXXX for internet services dating back to XXXX of XXXX. I reached out to ask for verification of the debt XX/XX/XXXX. I was told by the XXXX rep that I would receive a bill via email. 2 weeks later I called again because no bill was received and the rep stated that the bill was too old to be emailed but could be mailed physically. I requested that and waited another 2-3 weeks, still no bill. I called again early XXXX and was told that the bill was too old to have a statement sent. I then asked that a request be put in to remove the equipment charge because I turned the modem in when I cancelled service. At this time the rep also told me that the reason I never received a final bill is because the final bill was mailed to my address that I moved from. So now I have no proof that the bill is valid and I am also having to put in a request to have an equipment charge removed. I call XXXX back on XX/XX/XXXX and they tell me that the case was closed for the equipment and that the charge for equipment would be removed and reported to the collections agency. I called the collection agency a week later to see if this had taken place and it hadn't. I waited and called again on XX/XX/XXXX and was told ( on a recorded line ) via the collection agency that if I paid the service charges of {$100.00} that the debt would be reported as paid that weekend and that they would hold the equipment charge on their end waiting for verification from XXXX. The rep stated my balance would show as XXXX. This was a lie. Between that date and today ( XX/XX/XXXX ) I have spoken with XXXX and IC systems at least 4 times each asking why they are not communicating back and forth to clear this from my credit. I wasnt even provided valid proof of the debt but still paid the balance. XXXX says I owe nothing but IC systems says I still owe {$78.00} for equipment. It has been 60+ days and the agency ( IC Systems ) can not seem to update their system even though the debt is now paid in full. They continue to report the {$78.00} balance to the credit bureaus
03/18/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	FL 33141	Web
I received an alert from Credit report monitoring service that negative information was posted to my credit report by I.C. System. I did not know what it was about so I contacted the collection agency. They said that they sent XXXX letters regarding the debt from Medical Doctor office and have not received any response from me so they have posted debt to my credit report. I have not received bills either from that doctor office or from I.C Systems. The bill was from XXXX XXXX when I was admitted to hospital with emergency child delivery and I paid hospital in full. I had no knowledge of bill coming from other doctor office. When I called I.C systems they kept saying that I was supplied the bills and have ignored them. I always pay bill on time, never had debt reported and I clearly was not aware of this. I followed up directly with Doctor office and they advised to deal with I.C XXXX. They said that letters were sent and returned by Post office as they were missing apartment number. They did have my phone on file but have not contacted me to notify about the bill. I am yet to file a complaint regarding this doctor 's office practices. I decided to pay I.C System in full ( {$300.00} ) as they now had my debt and I needed it removed from credit report. I made a payment in full on Monday, XXXX XXXX, XXXX. They said they will send update to credit report the following week. On XXXX XXXX I received a letter in the mail from IC Systems dated XXXX XXXX, XXXX that looked like initial letter from this company. It notifies me that they would like to collect a debt from Doctor office and would like to make payment arrangements. They even offered to use tax refund ( if there is one ) to cover this bill. There was no mention that they have already reported this to Credit Bureau. I believe the I.C System did not follow procedures. They reported debt to Credit Bureau before sending request for payment to me. I would have paid the debt and I do n't need to have it reported. In fact, I would have paid it to the doctor office if they did n't fail to contact me. Instead the lady from I.C System was rude and kept saying that I was delivered XXXX letters from them and previously from doctor, that was not the case. The 1st letter I received was the above mentioned.
01/18/2021	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	FL 32835	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
01/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 507XX	Web
On XX/XX/XXXX I received an alert from XXXX XXXX stating that there was a collection on my credit report from XXXX XXXX with the original creditor being XXXX and an amount of {$320.00}. I immediately contacted XXXX XXXX to let them know that I did not open this account and that it was a result of identity theft. I was given a phone number and account number and was told that this number was ported out to XXXX XXXX. I was told that if I wanted this account cleared up that I will have to file a police report and identity theft affidavit and send it to XXXX. The police report was filed on XX/XX/XXXX with the XXXX police dept and XXXX Mississippi however I have not been able to get a copy of the report because I no longer live there the reason that I filed it with them is because I was told by the representatives at XXXX that one of the accounts was opened up in XXXX Mississippi and that they had no knowledge of where the XXXX account was opened at power XXXX XXXX. I have not been able to get in touch with anybody at the XXXX fraud department. Whenever I call their number all I get is an automated machine and there 's no option to connect with the live representative. however it had a billing address in XXXX, IA. At this point I 'm not sure exactly where the XXXX account was opened that I just know that I have no knowledge of it and I never authorized anyone to open this account and my name and the police have been notified. When I contact the XXXX to let them know that I did not authorize the number poor they stated to me that there was an account open there in my name also but the representatives they 're closed it and stated I have no liability for that account because it was a fraudulent account. However I have not been able to come with a resolution with XXXX XXXX or XXXX I have sent them letters asking for validation of debt or to see a to see a contract that was signed with my signature on it and they could not provide me with that they also stated to me that they could not do anything about the fraudulent account that I would have to go through XXXX to get it cleared up even though XXXX is not the one that 's reporting on my credit report it is XXXX XXXX. I 'm requesting that this fraudulent account be removed from my credit report immediately
04/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48307	Web
In XX/XX/XXXX, my credit card was canceled due to fraud. The representative from Visa asked me if I had just rented a car, which I had not. He said whoever made that charge had all of my information so he needed to cancel my card and send me a new card. In XX/XX/XXXX, I received an alert from XXXX XXXX about a negative account under my name. I looked at the account, and it was a collections account under I C System Inc. the original creditor showed up as XXXX XXXX XXXXXXXX in the amount of {$90.00}. XXXX Conducted an investigation, and removed this collections account from my credit report. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX regarding this debt. Saying that they were hired by XXXX XXXX XXXX to collect a debt of {$90.00}. This was the first letter of any kind that I had received regarding this debt. It was sent to my previous address in which I have not resided in since XX/XX/XXXX. I answered to this letter within the 30 day period stated. I explained my situation and requested more information about this debt and requested proof that this debt is mine. I received a letter back from XXXX XXXX XXXX XXXX in which it stated that my request for debt validation was received, was documented, and was forwarded for processing. It stated that my account with their office was closed and returned. At the end of XX/XX/XXXX, I applied for a credit card without realizing that this debt collection was still on my XXXX credit report. This is when I realized that this collections account which is not mine is still there. I mailed in my only correspondence that I have ( which is with XXXX XXXX XXXX and XXXX ) about this to XXXX. They replied by asking me to contact the collections company directly. I have never received any mail, phone call, e-mail, or any form of communication or bill from XXXX XXXX XXXX or I C System Inc. I did not know of this debt prior to it appearing on my credit report. I XXXX I C System Inc and looked up their contact form. I did not feel comfortable providing my e-mail, phone number or SSN in their initial online contact form. I would like to please have this collections account removed from my credit report since it is not mine and it is a result of fraud on my previous credit card. Thank you
04/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30135	Web
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your nonaffiliated third-party companies or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours. b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 3. Please respond to me in writing stating that you will comply with these instructions. If I have not received a letter within ten days specifically denying my instructions, I will assume your records have been noted to comply with this letter. I am mailing this in a sealed envelope, and I am NOT including my social security number. I believe my name, address and account number identify me sufficiently. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
03/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 295XX	Web
Back in the mont of XXXX I received a collection letter from I.C. System giving me 30 days to respond or they would assume that the debt was mine. Prior to them sending me that letter I had no recollection of said account. I wrote to them within the time frame advising this debt was not a debt made by me. I will enclose a copy of the signed certified mail with receipt by the one of the company 's responsible parties. After receiving my written response to the collection letter they still insisted on putting this debt on my credit report, it appeared on my credit report this month on XX/XX/2018. Today I called and when the caller got on the phone she advised me that the call would be monitored, I advised her I was recording my call as well she said that she was not cool with it and she hung up. I called back and got XXXX XXXX on the phone and advised her of the same thing, and she said that she was fine with that so we continued the conversation. I asked her why after I had written contact with them did they still after only 6 days put that derogatory account on my credit reports? She stated she didn't have anything showing that I had written in and I advised her that I had a copy of someone's signature. She then said that their company didn't have any original documentation of proof in their office I would have to contact XXXX directly. I then asked her after receiving the letter why didn't you guys put a temporary hold on this account before just rushing to send it over to the credit bureau. She then stated once more that there was no contact made by me or a letter sent. She started being very rude and told me they don't handle disputes they don't verify information that is all something that the original creditor does. I asked her well if you guys can't verify it then why just put it on someone's credit file. She told me " Look, as I told you before you don't need to be calling my company what you need to be doing is calling XXXX '' We are not the ones that you need to speaking to, you need to be speaking to them and then she hung up. I also contacted XXXX and they told me that I needed to know some password, which I don't know because I didn't make the account. after talking with her she just directed me to contact the collection agency.
09/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT 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 XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
09/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
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 XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Hello, My wife and I called XXXX XXXX to get an estimate on how much money it would cost us to file our taxes. They said we would have to come into the office and bring our documents for them to see to give us the estimate. When we arrived at their office XXXX XXXX said that our initial consultation was free and they would start charging once the work started. At that time we asked XXXX what the next step was, and we were informed that we needed to pay {$75.00} for a power of attorney so they could access our paperwork. XXXX took longer than what seemed necessary to get the form entered on the screen and we questioned her if she needed help entering the info on the screen. We assisted her with the information repeatedly to get it all entered, and finally got everything entered. Unfortunately we felt that after this process that possibly XXXX may have some difficulty doing her job, and did n't feel confident in using the firm. We called her secretary following this appointment to discuss whether XXXX is having cognitive or senility difficulties. The secretary asked us if we were going to continue to use their firm, and I said no. We expected to get the bill for the {$75.00} for the power of Attorney, but when the bill came in the mail it was for {$890.00}. I feel this is a gross misuse of billing. I was told the estimate for the work was free. Than XXXX took a long time talking about her other clients and what she does for them, giving examples of what she has done for them. It looks like they are charging us for listening to her long drawn out sales pitch. I am only willing to pay the {$75.00} that we agreed to pay for the Power of Attorney for to be submitted online. This we already consider a loss based on the fact that we did not feel comfortable to have them actually do our work. I contacted them to complain about the bill, and they said they are charging me for the time. I said " What time '' I was told free estimate and {$75.00} for the power of attorney. I also said " You did n't do anything for us to justify charging us {$890.00}. Are you you trying to take advantage of us? ". They refused to hear our opinion, and now we have a second bill from them through a Bill collector called IC System. This is completely unfair.
09/21/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30087	Web
I have no idea who I. C. SYSTEMS is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I. C. SYSTEMS is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I C SYSTEMS did not provide the information requested when I contacted them via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. I C Systems has not provided any information regarding their claim. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I. C. SYSTEMS as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ I. C. SYSTEMS } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to I. C. SYSTEMS, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
04/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72113	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC SYSTEM for committing identity theft. I have never given IC SYSTEM, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with IC SYSTEM and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving IC SYSTEM any right to collect on this alleged debt. I have never received any documentation requesting validation from IC SYSTEM, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC SYSTEM, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC SYSTEM, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC SYSTEM, continues its collection efforts, I will file for litigation for actual damages caused and I, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
01/05/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web
Subject : Cease and Desist Communication - Account Number XXXX Dear I C SYSTEMS COLLECTIONS, I am writing to address the numerous violations of my rights and applicable laws that have arisen in connection with your pursuit of an alleged debt associated with account number XXXX. I categorically do not consent to any business dealings with your company, and I insist on the immediate cessation of all communication. The following violations have been identified : 1. Illegal Obtaining of Personal Information : Your company has unlawfully acquired my non-public personal information and used it in an attempt to coerce payment for a debt I am not obligated to pay, constituting a violation of my privacy rights. 2. Deceptive Collection Practices : I contend that your debt collection efforts involve deceptive practices, as I am not under any legal obligation to settle the alleged debt. To address these issues and uphold my rights under Georgia state law and federal statutes, I insist on the following actions : 1. Cease and Desist : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C . 1692c ( c ) ], I demand an immediate cessation of all communication from I C SYSTEMS COLLECTIONS, with the exception of written correspondence through mail. 2. Third-Party Communication Prohibition : In accordance with the FDCPA [ 15 U.S.C. 1692b ], your company is hereby prohibited from communicating with any third parties regarding the alleged debt. 3. Deletion of Personal Information : Under the Georgia Fair Business Practices Act [ O.C.G.A. 10-1-393.4 ], I insist on the prompt deletion of all my personal information from your records. 4. Removal from Credit Report : Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ], I demand the immediate removal of any information related to this alleged debt from my credit reports with XXXX, XXXX, and XXXX. Failure to comply with these demands may result in legal action, including but not limited to filing complaints with relevant regulatory authorities and pursuing remedies under the aforementioned laws. Your prompt attention to this matter is not only essential for resolving this dispute but is also required by law.
08/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA XXXXX	Web
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from IC Systems. I have made several calls to the original collector XXXX and XXXX XXXX collections and Fraud and no one is able to help me or tell me what this is about. Today they advised this may be fraud and that I should dispute this account. The only account number I have from collections company is XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have. The account that is showing on my Credit Report is XXXX and thats also a violation because account number should be dislosed. Please resolve this. Thank you
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95835	Web
OnXX/XX/XXXX I received a notice to collect a debt from 2 collection agencies regarding an account with XXXX XXXX and XXXX XXXX. IC systems was one of the agencies and XXXX XXXX XXXX XXXX XXXX was the other. I spoke with XXXX XXXX at IC systems and informed him that I received another notice from a different agency and he stated that he would note my account and no collection activity would continue. I contacted XXXX XXXX who assured me that they owned the debt ( I have a recording of this call ) and I entered a payment arrangement with them. All of this was done within the 30 days and none of this was reported on my credit reports. I continued to make the monthly payments every month by auto withdrawl. On XX/XX/XXXX, I received a notice that a debt collection was reported on my credit reports. IC systems reported that my account was delinquent. I contacted them and they stated that I should have been paying them all along. I informed them that I was paying XXXX XXXX. I sent proof of all my payments to IC Systems. I never heard back from them. I noticed on XX/XX/XXXX that the autowithdraw from XXXX XXXX did not happen. I called them and they told me that IC systems was taking over the account and to contact them. I called IC systems to 1 ) set up payment with them and to make sure that they did in fact now have the debt assigned to them by XXXX XXXX XXXX, and 2 ) inform them that they still had not removed the delinquency on my credit report which they need to do since I was never delinquent. I was transferred 4 times and all agents kept repeating that the delinquency will not be removed because they did not get payments back in XXXX, XXXX and XXXX even though they have proof that I paid on time to XXXX XXXX. In summary, I am filing this complaint because it violates fair reporting. I was never delinquent, XXXX XXXX XXXX themselves never reporting me as delinquent, and now IC systems has proof that as of XX/XX/XXXX, I made all my payments on time to XXXX XXXX I feel that I should not be punished and my credit impacted because of the disorganization of XXXX XXXX XXXX and their failure to manage the debt collection process. I am unable to reach a live person aXXXX XXXX XXXX XXXX to discuss this matter.
02/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	AR 720XX	Web
Ok, so I have been receiving phone calls from XXXX phone number for the last few days. On the morning of Thursday XXXX/XXXX/2016 I received yet another one. So being fed up with it, I answered and said hello. All they would say and repeat was that they needed to confirm they were speaking with a XXXX XXXX ( which is me ) before they could disclose any further information. I stated that in that case I would not be providing them any further information on my part and hung up. My thinking was " wait a second ''. You want to call my phone and start demanding I provide or confirm for you personal information about myself while refusing to provide me with information. Not ok!. So being that I am a Police Sgt, I went into investigative mode and started digging to see if I could find out anything based on the phone number I had from them. I discovered that it was a collection business called IC Systems. I further found hundreds of complaints from other people following their dealing with this company. So I returned a phone call to them and asked to speak with a supervisor. Once he was on the phone he also repeated the same line about needing to confirm who I was before he could provide any further information. I explained to him again that I would not be providing any personal information and since he or his company were the ones who had contacted me, they needed to be the ones that were forth coming with information, since I had no way to " prove '' who he was. I also explained that I viewed their telephone communication with me to be harassment and that I demanded my number be removed from their calling list. He said that he could do that and would. If I owe a debt that I am unaware of fine, but how about calling and saying, Yes this is so and so and we have been retained by so and so to attempt to collect a debt that they claim you owe them. At this point I would have the ability to research for myself if I had forgotten something and get back with them. But no, they chose to try and act all secretive and shadowy which if they are legit in their pursuit, it is a very poor way of handling business. I ask that you as a consumer protection agency, please assist me with dealing with this matter. Thank you in Advance
07/22/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	ID 83835	Web
I was made aware of this collection through a credit monitoring service. When I checked my credit report it did not say who the original creditor was. I called the collection agency I.C System, Inc. and they notified me who the creditor was.. I asked the collection agency why the didn't make an attempt to notify me of the debt prior to reporting to the credit bureaus. The woman on the phone who was very rude said they received returned mail. They were sending the statements to the wrong address. However, they did have my correct email and phone number but made to attempt to make contact me that way. I had no knowledge of an outstanding bill with this creditor which was with a medical office as my insurance covered the treatment. I told the women I would contact them first. She again was very rude, was yelling asking me if I was going to pay the bill and I said, " No. '' I phoned the creditor and they notified me that I had a co-pay due from my treatments. They too had sent the bill to the wrong address but never called or emailed me to ask me for my correct address. The office manager realized that it was a mistake to send the account to collections and we made an agreement for me to pay the outstanding balance directly to them and they would call the collection agency to have the account removed from my credit report. I made the payment over the phone immediately. The collection agency reported the next day to XXXX XXXX and XXXX that the account was paid less then the amount owed which was incorrect. Then I received a receipt stating that I paid the debt directly to them which is incorrect. Then they reported to the Bureaus that the account is paid in full but they refuse to remove the account from at the request of the original creditor has made this request more then 6 times. They have said they can't according to the law. They have said they can't provide a letter stating the account will be removed according to the law. They have said if I dispute the account they will fight it. I have manage to get it removed from my XXXX credit report but I can't not get it removed from XXXX XXXX. They have been rude, given false information to me and the creditor numerous times, to the point I've hired a lawyer.
05/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85283	Web
On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error. They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call. I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer. The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.
06/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 952XX	Web
This complaint is directly related to a prior complaint Submitted to the CFPB on XX/XX/XXXX. The direct link to that complaint, which was resolved and now closed is https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX I have recently been contacted again by another debt collection agency named I.C. Systems for the same Account with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX is continuing to initiate fraudulent claims via debt collection for monies that are not owed to them. The bill in questions was paid on XX/XX/XXXX in the amount of {$150.00}. I spoke to I.C. Systems on a recorded line twice today ( XX/XX/XXXX ) about the issue and they refused to provide an email address where I could send proof of payment to resolve the claimed issue. I.C. Systems instead proceeded to collect the debt even after I clearly explained that I had previously resolved the issue by making a final payment to XXXX XXXX XXXX and also via my initial complaint against XXXX XXXX the first debt collector. XXXX XXXX confirmed via their response back to my complaint # XXXX. They stated : " Thank you for your submission. The account in question was placed with XXXX XXXX and was recalled by the client XXXX. '' The client here is XXXX XXXX XXXX XXXX. They have now commenced another debt collection against XXXX XXXX XXXX via I.C. Systems for the same account number and amount. I personally spoke with two representatives of I.C. Systems to ask them to cease with the debt collection because their actions are complicit with XXXX XXXX XXXX XXXX who is not entitled to any monies, they are claiming is owed to them. XXXX XXXX XXXX paid the debt on XX/XX/XXXX as shown on the attached receipt we have included along with a copy of the debt collection notice from I.C. Systems. This is the second debt collector regarding this matter. XXXX XXXX XXXX is continuing to be harassed by the continued debt collection notices and actions of XXXX XXXX XXXX XXXX through the I.C. Systems debt collection agency. Both are complicit in their actions, against XXXX XXXX XXXX and it needs to stop. Every day that this issue is unresolved is timely and costly to XXXX XXXX XXXXXXXX and we wish this fraudulent claim to be put to rest for good.
06/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 31548	Web	Servicemember
On the XX/XX/XXXX I closed my XXXX account for DSL internet due to moving to XXXX to change XXXX. About a month after we canceled our service we called to make sure that our internet account was closed/Free and clear as well as our other utilities/services. We were notified that our account was closed with a XXXX balance. Shortly after that we received a bill for XXXX dollars and I called XXXX to see what the charges were for and the gentleman from customer service reviewed the account and informed us that they had made and error and we were actually owed XXXX. After that I received an account summary detailing the closure of the account showing a XXXX credit. The day after I received a bill for XXXX dollars along with a collection notice from IC Systems. I called XXXX again talking with various offices customer service, account management, etc. and no one could explain the bill or the debt collection. I then called IC Systems and asked about the debt and how to resolve it. Seems that there was no way for XXXX to remove the collection notice and that I would have to dispute the charge and wait for review. I ended up paying the debt collector in hopes that XXXX error will not affect my credit. I plan on disputing the charge with letter to IC systems but do not have much faith in any resolution with XXXX. I can not tell you the time I dedicate to keeping my finances in order and have never been late on a bill. It is very embarrassing to receive a collection notice. Through some research on I have found huge amounts of complaints about XXXX for the exact same situation. Furthermore please take note to the account numbers on both the Account Summary, and the Bill that I was sent. They do not match between the two invoices, but in XXXX system both numbers associate with the same account. Any help that you could provide would be greatly appreciated we are in the process of closing on a house and this concerns me greatly that it will affect the closing in a negative way despite my stellar credit. Its very frustrating how willing they are to sell you services, but when your done they cant help at all. Thank you, below is the contact information for both companies involved. XXXX XXXX IC Services XXXX
09/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27302	Web
IC Systems has violated 809 ( a ) of the FDCPA, in that the company identified has failed to provide written notice of alleged debt or the contents surrounding the alleged debt. The alleged debt just showed up on my credit report without prior notice. IC Systems did not attempt to contact me prior to reporting this alleged debt as a collection to the credit bureaus. As of this date, XX/XX/2021, IC Systems has not provided any initial communication in connection with this alleged debt. Furthermore, I have never heard of this company, nor have I engaged in any business with IC Systems. IC Systems is attempting to collect and allege debt in the amount of {$150.00}, as indicated on my credit report. IC Systems NEVER once mailed me any information pertaining to this alleged debt. IC Systems has also violated 15 U.S. Code 1692g pertaining to the validation of debts because, as a consumer, I was never given the opportunity to ask for validation of the debt. In addition, IC Systems is also in violation of the 15 U.S. Code 1692c surrounding communication in connection with debt collection which states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I am insisting that this erroneous information not only be removed from the credit report, but my personal information be expunged from all data systems associated with IC Systems. IC Systems is now in violation of the FDPCA and the U.S. Code, they are subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from IC Systems within 10 days. IC Systems should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present IC Systems with legal inconvenience with the FTC and other state and federal agencies.
07/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30327	Web
I had numerous medical procedures with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, Georgia, now doing business as XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I am insured, and my insurance has paid every bill submitted by the provider. On XX/XX/2023, I had a procedure that was billed to insurance in the amount of {$17000.00}. XXXX XXXX XXXX XXXX XXXX has negotiated discounts with this provider, and the amount discounted was {$14000.00}. On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX the amount of {$2300.00}, leaving a XXXX balance, as confirmed by the Credence Explanation of Benefits. Notwithstanding the payment in full, and after hundreds of harassing calls by the vein clinic where numerous times they acknowledged payment and that it was an accounting error by their billing department ( as recently as today ), XXXX XXXX has now referred this claim over to a collection agency, without even sending any notice or documentation at all since XXXX of this year. I provided a written email to the billing address attaching the Explanation of Benefits and documenting XXXX XXXX representatives harassing behavior and never received any response beyond a note that it was under review. I have provided the EOB several times in writing. XXXX XXXX XXXX XXXX XXXX has held numerous phone calls with XXXX XXXX where XXXX XXXX has confirmed no amounts are owed by me, but XXXX Vein nonetheless has continued to pursue this baseless claim. On numerous occasions I have called to attempt to resolve the matter, and am always told it will need to go to a supervisor, but it never gets resolved. I have an email from XXXX of their representatives on XX/XX/2023 stating that They have detected the main XXXX issue and their [ sic ] now sending it to XXXX XXXX to review, this [ sic ] are the notes. Account was Adjusted incorrectly by XXXX, resent account to Upper Management to Resolve Issue and Adjust Account. But the calls continued. Their agents have been threatening at times, including to a Credence representative who documented the behavior. I am at a loss to get them to stop harassing me and withdraw the claim, and am afraid this baseless claim will negatively impact my credit.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48204	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2002 IC SYSTEMS INC : RE : Account # XXXX To Whom It May Concern : This letter is being sent to you due to your erroneous reporting to the Credit Bureau ( s ) causing a 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 Bureau 's ( 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 most 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.
03/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21207	Web
According to the federal law as stated by the FTC, and HJR-192, I am THE ORIGINAL CREDITOR. The following accounts have been disputed and have still been reporting illegally to my credit profile. By law!!!! None of these accounts can be Verified by a natural person of these entities. It is illegal to report and furnish my information, and is illegal to report deceptive and misleading information. *IC SYSTEM, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectors the law states that third party debt collectors do NOT have the rights to my federally protected consumer information, and they by law can not say I owe any debt. These corperation 's are in several violations by stating they have verified these alleged accounts. This is is false statement, and if not removed immediately..these corporations and the credit reporting agencies reporting these illegal accounts will face civil liability per 15 usc 1692k in the amount of {$1000.00} for ever violation found, to me the consumer as stated by federal law. This is the last chance to cure as I will seek monetary relief for this harassment. IC System provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. XXXX XXXX XXXX XXXX XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. XXXX XXXX provide the name and date of the natural person who legally and truthfully Verified me singing any contract or other documents with the Original debtor. THESE INQUIERS ARE UNAUTHORIZED XXXX XXXX XXXX ( Inquiry from XXXX XXXX ) XXXX/XXXX XXXX ( Inquiry from XX/XX/2020 ) XXXX/XXXX XXXX ( Inquiry from XX/XX/2020 ) Coaf ( Inquiry from XX/XX/2020 ) XXXX XXXX XXXX ( Inquiry from XX/XX/2020 ) XXXX XXXX ( Inquiry from XX/XX/2020 ) ** The following personal information is incorrect and needs to be removed for proper and accurate correspondence. ( XXXX XXXX XXXX XXXX, XXXX XXXX md, XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX ) ( XXXX XXXX XXXX, XXXX MD XXXX )
08/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20735	Web
This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. 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 don't owe, is a violation of the Fair Debt Collection Practices Act ; 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 within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 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. -- Very Respectfully, XXXX XXXX
03/13/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33065	Web
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX RE : FORMAL COMPLAINT AGAINST XXXX XXXX / XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX CONTRACT NO. XXXX XXXX XXXX IS CHARGING ME FOR A STOP PAYMENT CHECK FEE OF {$15.00} AND WILL NOT ALLOW ME TO PAY ON LINE ANYMORE. BY MISTAKE I MADE A DOUBLE PAYMENT TO XXXX. ON XX/XX/2020 FOR {$220.00} AND ON XX/XX/2020 FOR {$220.00}. AT THE BEGINING I THOUGHT THE COMANY HAD OVERCHARGE ME BUT IT WAS MY MISTAKE, I MADE A DOUBLE PAYMENT THAT WAS REPORTED ON XX/XX/2020 TO XXXX XXXX. THE INSURANCE AGENT CONTACTED XXXX WHO PROMISED TO CUT A CHECK THE NEXT DAY FOR THE REFUND. ON XX/XX/2020 XXXX XXXX INFORMED ME, THAT XXXX REFUSED TO CUT THE CHECK INMEDIATELY AND IT WOULD TAKE A LONG TIME FOR ME TO GET THE REFUND. XXXX XXXX. ALSO SEND ME XXXX 'S EMAIL IN WHICH THEY STATED THAT IF I PUT A STOP PAYMENT I WOULD NOT BE ALLOWED TO MAKE PAYMENTS ON LINE, THERE WAS NO MENTION IN THE EMAIL THAT THEY WOULD CHARGE ME {$15.00}. MY RESPONSE WAS THAT I COULD NOT WAIT AND THAT I WOULD CONTACT MY BANK SO THAT THEY COULD REIMBURSE ME INMEDIATELY AND THAT THIS WAS AN INTERNAL TRANSACTION FROM XXXX XXXX XXXX AND NOT A STOP PAYMENT. XXXX XXXX XXXX RETURNED THE 2ND DOUBLE PAYMENT MADE ON XX/XX/2020 FOR {$220.00}. MY REGULAR XXXX INVOICE FOR THE MONTH OF XX/XX/2020 CAME FOR THE AMOUNT OF {$240.00} WITH A SPECIAL COUPON THAT NEEDED TO BE INCLUDED WITH THE PAYMENT TITLED " RETURNED CHECK CHARGE {$15.00} '' XXXX XXXX XXXX CONFIRMED ON XX/XX/2020 THAT THERE WAS NO STOP PAYMENT INVOLVED IT WAS AN INTERNAL TRANSACTION DUE TO A DOUBLE PAYMENT FOR THIS COMPANY, AND THAT XXXX WAS NOT CHARGED BY XXXX XXXX FOR THIS TRANSACTION. I MADE A PAYMENT OF {$240.00} ON XX/XX/2020 WITH CHECK NO. XXXX TO XXXX BECAUSE I SAW THEY WERE CHARGING THIS TO ME ON LINE, THE NEXT DAY I RECEIVED THE BILL AND RETURNED CHECK CHARGE. I AM REQUESTING FOR XXXX XXXX XXXX TO REIMBURSE ME FOR THE {$15.00} INMEDIATELY. I SHOULD NOT BE PENALIZED WHEN THIS COMPANY RECEIVED A DOUBLE PAYMENT FROM ME AND THEY REFUSED TO REIMBURSE ME INMEDIATELY AS I HAD REQUESTED ON XX/XX/2020. IN ADDITION I HOPE TO BE ALLOWED TO PAY ON LINE IN THE FUTURE. SINCERELY, XXXX XXXX XXXX
04/20/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	DE 19977	Web
I applied for some lending. I was denied. I was told I have a collection account on my credit. I have never received any calls, emails or mailing concerning and collection account. I was provided a company name from the creditor that we applied for lending. I googled the company and its a collection company called IC Systems. I contacted them and the researched under my social security number, name, address date of birth and said I do not have anything on file for them. So I contacted XXXX XXXX and wanted to dispute findings. I was told nothing at all for collections on my file. A month goes by and I get a notice from XXXX XXXX that there a change in my credit file since I am a member of the credit watch for 8 years now. I contact them and innate dispute. since they can now see it on my file. I get a mailer from them that says they updated my file to show its a valid debt. I contact IC Systems back and still I'm told nothing nothing on file. I literally had to tell them I suspect fraud has been done. She then tells me that under my social the have a file in a completely different name and in the state of North Carolina about 700 miles away from me. She then gives me the name of the creditor that is reporting the info. I tried calling them and was on hold for 49 mins before hanging up. I googled how to report a fraud on there system which is Spectrum which is a internet/cell company and there like 20 documents that they want, including a police report, utility bill, copy of my id and notarized. I have no problem supplying, but they want you to fax it in. in this packet I am submitting it contains my social security.. The main issue is they say it could take over 6 weeks to correct the issue. That is just unacceptable!!!!! I feel if they as a company would have done the job correctly in the first place then none of this would have happened. I feel that a company should verify a persons identity when applying for a item that involves credit when making a purchase. I have had my credit locked with XXXX XXXX, XXXX and XXXX. Had Spectrum done there job correctly then they would of seen or had notice my credit is locked. I don't feel I should suffer 6 plus weeks for there mistake.
12/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 781XX	Web	Older American, Servicemember
I opened two wellness accounts with the XXXX XXXX Hospital for my two dogs. First was opened on XX/XX/XXXX, second on XX/XX/XXXX. Every visit was paid the same day before we left the hospital and on top of those payments the XXXX was collecting monthly charges of {$64.00} every month on first for the first dog and {$42.00} for the second dog on XX/XX/XXXX every month by withdrawing it from my checking account and those funds were later used to pay for some charges for the dog 's treatments and wellness visits. Attached are all the bills and payments showing that everything was paid on time. Unfortunately my dog had to undergo surgery to remove the XXXX in XX/XX/XXXX. XXXX was paid in full. The outcome was very bad, XXXX XXXX XXXX XXXX was XXXX and XXXX, XXXX were nXXXX XXXX XXXX together and XXXX XXXX. The vet XXXX XXXX XXXX second time but it did not help and XXXX XXXX again. I took our dog to the other clinic and was told that it was XXXX XXXX, dog was in very bad condition with XXXX XXXX XXXX and whoever did the XXXX did not do it the right way. We were told that the only thing we could do now was to XXXX the dog. So we did. I called XXXX XXXX to cancel the membership on XX/XX/XXXX and asked them to stop withdrawal from my checking account but was told that it is impossible since I had to pay club membership for entire year from starting it, dead dog or not, coming for appointment or not. They kept withdrawing funds for the wellness club for BOTH dogs for the next several months until I closed my account due to identity stolen and money stolen from the account. At this point XXXX sold both dogs ' account to IC System and on XX/XX/XXXX they started collection activity that I have on my credit till now. They want {$300.00} for the dog that actually was killed by their veterinarian and {$160.00} for the other dog that was already under other veterinarian care. Like I mention all bills were paid at the time of their visit, and I even received refund for the overpayment for the dog that was later euthanized. My surviving dog had different veterinarian and I was paying her bills at the new place. I was not going to take my other dog to the place that killed my other one.
07/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 710XX	Web
In XX/XX/XXXX I was made aware of a collection notice for a company called IC Solutions. This company stated that I owed a bill of {$210.00} to XXXX from XXXX and XX/XX/XXXX. I called XXXX ( XX/XX/XXXX ), and I was transferred to young man named XXXX who found my account, could see where I turned in my equipment on XX/XX/XXXX ( I have this receipt ) at the local branch. He stated that he could see my last payment on XX/XX/XXXX for the period ending XX/XX/XXXX, and stated that I should have been billed a pro-rated amount from XXXX. XXXX also stated that he did not have the authority to credit that amount and that he would escalate to his supervisor that would call me back before XX/XX/XXXX. After receiving no phone call, I called back on XX/XX/XXXX and was escalated to the complaint department, they then told me that they could not credit me and that IC Solutions had to do so. They also stated that IC Solutions had all of the account information. On XX/XX/XXXX I called IC Solutions who then told me that they had to get the information from XXXX and that they would open an investigation. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX. That complaint was answered with a mailing from IC Solutions with statements from XX/XX/XXXX, and XX/XX/XXXX. The two months following my equipment turn-in, and cancellation of service. I did not have a contract, and was billed for services not rendered. This is fraudulent billing, and it is being reported to the credit agencies, which is a violation of the FCRA. I have documentation showing that I turned in my equipment and cancelled my service XX/XX/XXXX and was billed the following two months. If you look at XXXX there are countless complaints of IC Solutions reporting inaccurate information to the credit reporting agencies. I have attached documents that include my receipt for picking up and returning my equipment, payment on my last bill and emails from XXXX for coming into the branch and returning my equipment, and an email from a phone call made after I paid my payment thru XX/XX/XXXX. on this call I was told that I would receive a pro-rated bill for XXXX. This bill also shows that I was billed for XXXX and part of XXXX.
01/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78741	Web
I contacted I C System on XX/XX/2020 to request a debt verification letter and was informed they could not give me one because the said account with a balance of {$3700.00} was in a " Recall Status '' as the original creditor, XXXX XXXX XXXX ( XXXX ) has recalled the account. So I asked why it was on my credit report as being owned by I C Systems and reported to XXXX XXXX on XX/XX/XXXX, if I C systems can not even take a payment from me? I was told to contact XXXX. I contacted XXXX immediately on XX/XX/2020 as well to request a debt verification letter and I was told I could not get one unless they receive an attorney letter on my behalf because their system has changed. So I asked how I could confirm and make payments towards the account and I was told that I could only get verbal confirmation now and even after the account has been paid in full I can only get verbal confirmation and nothing in writing, but the can take payments and send me email receipts of payments made but nothing written on outstanding and remaining balance even after payment has been made. Getting an attorney is an added burden and I am trying to resolve outstanding old debts not get into new ones. This does not make sense. First of all, how can I make payment without getting a debt verification letter which I believe I am entitled to get. How can I pay the account in full without getting a letter that states the account will be reported as paid in full if the outstanding balance. Also, how can I pay the account in full and not be able to get a letter of confirmation that the account has been paid in full. Finally, how can I C System be reporting a debt that they can not legally take payments for. Doesn't a customer have the right to receive a debt verification letter before making payments without hiring an attorney? Doesn't a customer have a right to know who has the legal right to collect a debt and doesn't a customer have the right to a written agreement that a debt will be reported has paid in full after all payments have been made? The conversations with both companies were recorded by both parties and both parties were informed that the conversations were being recorded. Thank you.
12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 07036	Web
I had a XXXX XXXX Plan for my XXXX XXXX, XXXX. However, after XXXX been mistreated by the veterinary. I contacted XXXX by email with a letter ( see below ). The statement was ignored and they continue sending reminders regarding payment. Sadly, my XXXX got worst. She could n't XXXX and in pain. With my broken heart, I got her cremated, on XXXX XXXX, 2016. It has been very hurtful not have her and for XXXX XXXX Hospital continue to collect payment. XXXX XXXX, 2016 XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX Client ID # XXXX On XXXX XXXX, 2016, my XXXX XXXX XXXX XXXX was at the XXXX Hospital XXXX XXXX XXXX NJ for a nail problem. In addition, she received the XXXX XXXX XXXX. Painfully right after she was not herself. XXXX was having XXXX XXXX and with no energy. Due to her illness, I brought her back to see the veterinary on XXXX XXXX. I had to upgrade my plan since he performed multiple testing 's. I was told nothing was found that I should consider consulting a XXXX. He also provided a prescription. She was not getting better and continue having the same symptoms. Therefore, she was back at XXXX on XXXX XXXX. Basically, I was told the same and went home with multiples prescriptions. XXXX still was not herself. Therefore, on XXXX XXXX, I took her to XXXX XXXX Hospital her prior veterinary. I called XXXX and requested all her medical records to be fax. She had XXXX and was very fragile. However, after the examination was very clear the reason of her illness. It was due to the XXXX. I was not provided with the client information sheet for the XXXX XXXX neither was told of the medical reactions. In addition, XXXX is XXXX XXXX XXXX and should not got the XXXX XXXX. However, I had trust on the XXXX XXXX Hospital veterinaries. For that reason, I am requesting the immediately cancelation of my plan with no comprising fees and a reimbursement for the total amount of {$920.00}. Enclosed are copies of all documentation. I look forward to your response and a resolution to my problem. I will interval until XXXX XXXX before seeking help from the NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX for Veterinary.
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48227	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.
08/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60707	Web
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 )! To find out more information and to dispute the account. I was transferred amongst 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 married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. 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 the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't 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 from the consumers credit report. 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.
09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85226	Web
I had a XXXX account at my address in XXXX NE and when I cancelled they sent me a shipping label to send my equipment back. I had to call 3 different times just to get them to send me the label and tell me where to send the stuff back to. I finally got the label and was told to use any box, so I packed up the cable modem and wireless router and using their shipping label sent everything back to them. About a month later I received a bill for {$160.00} for unreturned equipment. I called them and said there is a mistake because I have a tracking number showing it was delivered and who it was signed by. She said " well we received one of them but we never got the other '' I said well that 's odd because they were in the same box. She informed me that was the problem because they should have each gone to a different address so that was the confusion. I explained to her that I had called 3 different times just to try and get a shipping label at all and was never informed they needed to go to different locations. She said she would take care of charges on my account and that was the end of it. I never received another bill after that. Next thing I know a few months later I got a notification that I had been turned into collections with XXXX for that same {$160.00}. I called XXXX and explained the situation to them and they filed a dispute which gave XXXX 30 days to respond. On XX/XX/XXXX I got a letter from XXXX that they are not currently handling my account anymore and any information that may have been reported to the credit reporting agency would be deleted. So I thought it was resolved and finally finished. Naturally you can imagine my frustration when I just received a notice from a DIFFERENT collection agency dated XX/XX/XXXX through IC System Inc attempting to collect the SAME {$160.00}. Bottom line, XXXX is charging me for equipment that I DID return and they 've confirmed that I did return it and should 've cleared my account. They 've tried to go through one debt collection agency and when that did n't work they are now going through another one. I do n't owe this money as I returned all of their equipment as required ... and they 've confirmed that!
04/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76708	Web	Servicemember
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to IC Systems Inc. on XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. IC System Inc. claims I owe a debt from a XXXX XXXX Bill that I actually left in my given time. I had my Personal FinanciaXXXX Consultant XXXX XXXX to speak on my behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by IC System Inc. Therefore, by the FDCPA IC System Inc. fail to prove that I had a bill from XXXX XXXX. So, IC System Inc. was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and IC System Inc. agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, IC System Inc. is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of IC System Inc. from my credit report. I am going to provide all my evidence to my case.
08/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30263	Web	Servicemember
This letter is regarding an account, which you claim I owe {$94.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 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 don't 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 within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia 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 organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
06/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web	Servicemember
I requested to join XXXX XXXX XXXX on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead XXXX I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from XXXX, XXXX XXXX ' collection agency. I called XXXX on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. XXXX 's hours are during my work hours, and it is not easy for me to call each day. XXXX never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted XXXX on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to IC Systems?! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted IC Systems and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.
08/13/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 45056	Web
XX/XX/XXXX IC Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : Please be advised that your disregard and violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collections Practices Act ( FDCPA ), and my rights as a consumer have caused harm by seriously affecting my credit rating, causing the denial of credit, as well as causing higher interest rates and unfavorable loan terms. Your continuous phone calls causing the telephone to ring repeatedly throughout the day and evening is harassing. Furthermore, at no point in a conversation with your company has your representatives ever disclosed their identity, the company being represented or the reason for the call, which was misleading. These oversights on your part are clear violations of the FDCPA Furthermore, we verbally disputed the debt with your company on XX/XX/XXXX and again via an XXXX through XXXX on XX/XX/XXXX. Not only did collection activity not cease during this time, but you failed to send validation not once, but twice with the 30 day time frame for each dispute. In fact, we have yet to ever receive validation and the letters and calls are continuing even after 90 days. Again, this is a clear violation of the FCDPA and FCRA, which I am sure you are aware of as a Data Furnisher. We are for the 3rd time requesting validation. We are also requesting you review the attached conversation with XXXX, where they clearly state all charges will be removed and the XXXX receipt where they received their equipment back. XXXX XXXX : Once you return the equipment back the unbilled charges will be removed Consumer : So why am I paying for a full month when I terminated the service today? XXXX XXXX : All the charges will be removed once the equipments are received back to XXXX In light of the harassing phone calls, deceptive practices, lack of providing the mini miranda and inability to provide validation after 90 days, we are requesting that IC System correct our account to reflect a XXXX balance, cancel all collection efforts and have the trade lines deleted from our credit history. In the event, IC Systems neglects not to comply, I will file a formal lawsuit
03/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 177XX	Web	Older American
moved from the property that was receiving the XXXX service on the XXXX of XX/XX/XXXX. I then leased the property to XXXX XXXX and XXXX XXXX beginning XX/XX/XXXX. I agreed to pay the utilities until they moved in and got the accounts switched into their name. I had XXXX phone service and internet service both at the time. We were told that if I was to cancel my service then it would not be possible for the new account holder to obtain internet service at that time because there was a waiting list? What we were instructed to do was just transfer the account into XXXX & XXXX name, which we did. This involved at least 2, 3-way calls between XXXX, XXXX and myself to obtain permission. After we thought his was done I continued to get phone bills at my new address which was not serviced by XXXX. I continued to pay them, and XXXX would reimburse me but then after a couple of months XXXX and I both were getting separate bills. I had my payments to XXXX set up as automatic payments through my credit card and in XXXX I wrote them and disputed the payments and told them that I had cancelled the service. My credit card company investigated the dispute, after their investigation they refunded the payments that I disputed. ( letter enclosed ) I then began to get collection letters that I disputed with the debt collectors. The 1st one was from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, after I disputed it I heard nothing further from them. Then on XX/XX/XXXX I received another letter from IC system. I disputed this again and once again i heard nothing further from them. I went for a mortgage in XXXX of XXXX and my credit which for as long as I can remember has been above XXXX was now below XXXX because of this false charge and I ended up getting a much higher interest rate because of this. Now on XX/XX/XXXX I received another letter from XXXX XXXX debt collection company.All of these companies are after the same debt and none respond after I dispute the debt so I assume that it has been cleared up. XXXX is the absolute worse company to try and deal with, you just keep getting sent to different people and never get anything accomplished. Thank you, XXXX XXXX XXXX
07/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 947XX	Web
I was referred to XXXX ( XXXX ) by my insurance company after I XXXX. XXXX had me come in six times for very short consultations and XXXX each time. I was not told upfront what the copay was. A few weeks after my appointments, I learned that the copays ranged from {$60.00} to {$80.00} per visit. I was shocked because many of the visits were only XXXX minutes each with a nurse practitioner. When I was presented with my bills ( totaling {$300.00} ), I tried to dispute the claims, and spent hours on the phone with my insurance company and with XXXX. In the end, I ended up paying the XXXX invoices totaling {$300.00} because they would not budge with the copay amounts they were charging, and my insurance would not cover it. I sent XXXX the six payments in XXXX XXXX. By then, my payments had already gone into collections and I was receiving mail from a debt collector between XX/XX/XXXX-XX/XX/XXXX. I talked with them on the phone on three separate occasions, verifying that I had indeed paid the {$300.00}. Finally, after several months of hearing from them, they stopped contacting me. The last time I talked with them, they verified that they noted the debt was paid and that I would not be contact by them again. However, in XXXX XXXX, I was contacted by a new debt collector, called " IC System ''. They maintained that I had not paid the {$300.00} in debt. I called them up right away and said that it had indeed been paid in XXXX XXXX, and I asked that they clarify this with XXXX because I did not want to keep getting harassed after I had paid. On XXXX XXXX, XXXX, I received a letter from IC System that XXXX said I had not paid the debt, and that they were still waiting on it. So today I sent them proof that I had paid, through my XXXX XXXX bank statement showing scanned copies of the XXXX deposited checks. I sent a cover letter along with this proof asking that they please stop contacting me and that they wipe my credit clear of this debt because I had paid it within 3 months of receiving the original invoices. This entire ordeal has been very time-consuming and frustrating because I paid the debt nearly a year ago and am still being harassed about it.
07/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90731	Web
I have been experiencing issues with I.C. Systems regarding an alleged debt that they have been reporting on my consumer report. The debt amount is listed as {$1500.00}, and I have been disputing its validity since XXXX of 2022. Despite multiple attempts to request verification of this debt, I.C. Systems has not provided any supporting documentation to prove its validity. On XXXX, I sent my XXXX and final letters to XXXX XXXX I.C. Systems, requesting proof of the alleged debt and how they determined it meets the requirements for reporting. However, they have continuously disregarded my letters and have persistently reported the debt to my consumer report without providing any verification. Additionally, I successfully submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX about this unverifiable debt approximately a month ago. Logged in to the CFPB portal today to check the status but somehow my complaint can not be found. I.C. Systems has continued to report the debt XXXX more times within a two-week period. The most recent update was reported on XXXX, XXXX and XXXX I believe that I.C. Systems ' actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Their failure to provide adequate verification and their continuous reporting of an unverified debt have negatively impacted my creditworthiness and caused unnecessary distress. I am seeking resolution in the form of a cease reporting, where I.C. Systems immediately stops reporting this unverified debt to my consumer report until they can provide adequate proof of its validity. I request that they comply with the FCRA and FDCPA regulations to ensure accurate and lawful reporting practices. If they fail to cease reporting within a reasonable time frame, I request that appropriate fines be imposed on I.C. Systems, amounting to {$1000.00} for each day the unverified debt remains on my consumer report. Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX Email : XXXX XXXX
06/05/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 27613	Web
On XX/XX/XXXX, I received notice from my mother who is not on the account or an authorized party to the account that she received a call from IC Systems. They stated that I had an account in collections for me. Provided her with my name, address, email address, phone number. The name of the account as being with XXXX, the amount of the debt, how many days past due the debt was. They knew this was not me yet they provided all of the information to an unauthorized 3rd party and violated my rights under the FDCPA. She indicated this was not my number ( which it is not ) and that she would give me the message and hung up. She then notified my about one hour to an hour and a half later that they called her back again looking for me on this debt after she already told them this was not my number and after they already disclosed my debt! My wife called the company and immediately asked for them to cease and desist calling. They kept asking when we were paying. She told them that they had violated the law and disclosed all of our personal financial information. They just kept saying ummmm. They said that they would send me to consumer affairs and after 4 attempts to reach someone and more than 14 minutes of being on the phone, no one at consumer affairs came on the line. While on the phone, I discovered that this company is known for their deceptive practices while attempting to collect debts and their known FDCPA violations. I told them this was not right and again I did not get anywhere. I feel as if my privacy has been grossly violated and that the continual calls and violations need to stop. I need to ensure calls to XXXX have completely ceased as this is not my number and no information should be disclosed to anyone but myself or my wife. I truly feel that due to the known violations of the disclosure that my credit should be cleared and the debt expunged and that XXXX should seriously look into an accredited collection agency which IC Systems is not. Also, when my wife called the company, they did not disclose their name as they should while initially calling their XXXX number. She had to ask them the name of the company and for details.
10/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94115	Web
I was contacted by IC systems approximately 1 month ago requesting payment for a debt that I had previously paid over 2 years. After I informed them of this, they indicated that because the company was based in NY XXXX, the state laws require the company to validate the debt first -- if they could not validate that the debt was not paid, there would be no additional action. At that time, the collection had not been reported to my credit report and I was explicitly told that if the company could validate that the debt was not paid, it would not be reported until I was contacted to provide additional verification. Approximately 1 month later, I was notified that there was a new collection placed on my credit report. When I called IC systems to inquire, the indicated that the debt was validated as still outstanding by the vendor so it was reported to the credit bureaus. After extensive discussion where I indicated that this was not the agreement made with the previous representative, I was told that they only way they could " delete '' the listing on my credit report was if I paid the debt but that this was a " XXXX time '' agreement and I needed to make the decision now. Because I had paid the debt previously, this amounted to extortion - I was forced to make a decision to pay the debt again or deal with ongoing disputes with credit agencies providing documents verifying the amounts ( which I have ) with not certainty that it would be removed. Given the lack of certainty and the fact that I was " forced '' to make a decision on the line, I opted to pay the debt. At this point, I have already paid the debt and hopefully this will be deleted from my credit reports as promised. That said, these practices at the least are extremely unethical and most likely illegal. First, misleading me about the process with respect to a dispute process and then posting to my credit report without informing me about the result of that process is bad business practice. Second, threatening that deletion would not occur if I did not pay over the phone is extremely disappointing and represent extremely questionable tactics on the part of the collection agency.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70460	Web
First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this XXXX, XXXX and XXXX XXXX XXXX XXXX. I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. I have even contacted XXXX XXXX XXXX on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. Kindly, XXXX XXXX
12/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20011	Web
On XX/XX/2021 I terminated a contract for XXXX XXXX and returned the equipment ( router and EMTA ) via a XXXX store. The next day moved I moved out of an apartment in New York. Also on XX/XX/XXXX a claim for {$120.00} was sent by XXXX to debt collections agency I C Systems. From my XXXX bill for XX/XX/XXXX I can see that a {$120.00} charge for unreturned equipment was added to my bill. Yet on XX/XX/XXXX a XXXX service agent confirmed that my equipment was received on XX/XX/XXXX and no balance was owed. I now have a derogatory mark for an account in collections which has significantly damaged my credit. I disputed the account vis XXXX and they rejected the dispute claiming the debt was valid. I have proof of all of this : I kept my XXXX receipt ; I have billing documents from XXXX ; I have the credit report information showing the account was opened on the day I returned the equipment. I have contacted XXXX who confirm there is no balance owed and are writing a letter to that effect. I have attempted to dispute with IC Systems ( results TBD ). I think I will eventually be able to resolve this for my account but it has taken up hours of my time and delayed my access to financial services ( I was trying to apply for a credit card which my current score would not qualify for ). My partner and I also wish to purchase a house next year and this could cost us a fortune ( or months of our lives ) if it is not resolved. Light googling reveals plenty of other people suffer the same treatment and many of them were less fastidious record keepers and are simply out of luck. This is also the second time I have had issues with XXXX for non-return of equipment so I know it is routine ( and is why I kept all documents ). It is, in my view, extremely unethical and should not be legal to send a bill for unreturned equipment to collections prior to the end of the window for equipment to be returned plus some buffer for things to actually be processed. It is an attempt to collect on debt before it is even possible for it to be owed. I am certain that as a scare tactic it cows plenty of people into paying and pads XXXX bottom line.
09/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94901	Web
In the end of XX/XX/XXXX I noticed IC System showed up on my XXXX XXXX Credit Score under XXXX. At that time, I reached out to IC System to inquire about nature of debt. I was informed that the debt is from an XXXX XXXX line between the years of XX/XX/XXXX and XX/XX/XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX I was told that they no longer have any information on accounts and to contact IC System. On XX/XX/XXXX, IC System offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX directly and I shouldn't have. I informed IC System I only followed their laborious and confusing instruction. After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 483XX	Web
XXXX XXXX provided internet services at my previous address ... XXXX XXXX XXXX XXXX, Mi XXXX. In XXXX of XXXX, final payment resolved for the full remaining balance owed on the account for the services rendered, after the home had been sold. Harassing calls and letters from XXXX XXXX followed one month after services were disconnected by me and shortly before the final payment had been made. The company is stating that I owe money for equipment that was used for the duration of the internet services. There is not an existing or past contract that was signed or agreed upon, by me nor any other member of the household for the rental or leasing of the equipment at my home. I paid in full for the services and or any equipment as stated on my monthly bill. I have contacted IC Systems Inc. twice in writing regarding my dispute. I have specifically requested that they produce and submit back to me any signed contractual agreements where it indicates that I understood the equipment was leased, including amounts owed and other pertinent details. I have not received any responses back as of XX/XX/XXXX. To further add injury in my claim against this company, they are now reporting twice as a collection account, through a different company, XXXX XXXX Solution. For the same amount but with a different account number. I feel harassed and bullied by both companies in a retaliatory effort upon ending services. It is heavily affecting moving forward by falsely reporting to the credit bureau and not responding to my request. I need help and some resolve in this matter. I am asking that you demand from both IC Systems, XXXX XXXX and XXXX a proven contactual agreement, in which I am certain they do not have, or they remove both collection accounts from my credit report. I am hoping they will comply with your request. No company should be able to do as they wish in regard to falsely reporting to credit bureaus. I work very hard in keeping my credit payment history in great status and this is the only collection account on my credit report. Falsely reporting is intentionally misrepresenting my payment history which is FRAUDULENT.
04/04/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OK 741XX	Web
IC System Inc in Minnesota filed a City of XXXX collection charge off account with the credit bureaus, in the amount of {$360.00}, dated XX/XX/XXXX. I have not had an account with a company named " City of XXXX '' as listed in the credit bureau files. I have attempted numerous times to have this account deleted, but IC System Inc continues to dispute with the credit bureaus, stating the information is correct. IC System Inc had a similar collection account in my name for the City of XXXX, dated XXXX in the amount of {$340.00}. This account was deleted XX/XX/XXXX on one credit bureau file, I believe, if not all credit bureau files. I live in XXXX, Oklahoma. The collection agency is in Minnesota. At one time, I believed this account was a XXXX XXXX XXXX XXXX XXXX XXXX collection account, the credit report only stated Utility or something XXXX, Oklahoma, where I have resided, basically, for fifty eight years, uses a customers Deposit on file with the City of XXXX towards any unpaid water, sewer, trash bill, which leaves a XXXX balance owed XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, with no water trash, or sewer service restoration until a new deposit is paid. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX charges, usually, a XXXX XXXX dollar deposit for water, sewer, trash service. A new deposit is required to restore service after a city watercan is removed for unpaid water services. Water, sewer, trash service in XXXX, Oklahoma averages XXXX dollars per month, per household. The amount IC System Inc is reporting to the credit bureaus equal over six months of unpaid water, sewer and trash service. I find the amount IC System Inc is reporting to the credit bureaus, as exorbidant. I find it very difficult to pay an out of state collection agency, in XXXX XXXX, Minnesota collection agency, for an Oklahoma water, sewer, trash account. This may be a scam collection agency. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Oklahoma, does not usually, Sell a delinquent water, sewer, trash collection account to an out of state collection agency named IC System Inc, in Minnesota, such as this collection agency.
06/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91324	Web
On XX/XX/20 I was alerted that my credit rating dropped several points. I investigated and found it was from a collection agency called IC System. I called the company first thing in the morning XX/XX/20. The agent told me the {$450.00} debt was from XXXX XXXX. I told the agent rather than paying them, Id rather call XXXX and get back to her if necessary. I found the receipt for our in person return of all equipment from XX/XX/20. I called XXXX the following morning and found I had a balance of {$130.00}. I immediately paid that balance over the phone with XXXX. I asked the representative at XXXX to check and see if she showed any other debt to their company. After searching My name and account by state, birthday and ssn she confirmed I had no other outstanding debt. I called IC System back and kindly asked them to remove the debt due to the fact I had paid XXXX and was willing to provide receipts, account numbers, etc. that validated that the equipment was returned and bill was paid. The agent XXXX XXXX was not interested in the fact that I had proof that I paid all debt and returned all equipment to XXXX. IC Systems best solution was to pay 70 % of {$450.00}. I was not comfortable paying any money I dont owe. Although I have documentation IC System refuses to acknowledge my receipt that shows the corresponding account number matching theirs for my account and is unwilling to remove the inaccurate derogatory item from my credit record. I also never received communication by mail from IC System regarding this account. The timing of this is painful during a national Covid19 pandemic. I am preparing to send my daughter to college in a few months, so the impact on my credit is exponentially damaging to our familys plans. IC SYSTEM is using reckless tactics to collect a bounty that has been settled. Their collections methods are unscrupulous and lack integrity. IC Systems lack of willingness to acknowledge settled debts shows gross negligence due to the fact that they are deliberately maintaining the derogatory status on my credit reports which is adversely impacting my credit rating.
03/15/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 20603	Web
I began receiving bills from XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX company in XX/XX/XXXX for services rendered in XX/XX/XXXX. Upon receipt of the first bill, I reviewed my explanation of benefits ( EOB ), which explained that dollar amount was the contracted adjustment and the patient ( me ) was not responsible. I contacted the billing department for the above company and they stated they would make notes as they were awaiting the EOB and to disregard the bill. In XX/XX/XXXX, I received another bill requesting the same amount. This time the individual I spoke with informed me that they received the EOB and the adjustment would be made to my account and to disregard the bill. In XX/XX/XXXX, I received another bill - at this point I became concerned that this would lead to a report to the credit agency bureaus. The individual I spoke with time stated the same as the previous employee, that they had received the EOB and the system would be adjusted to reflect no monies were due from me. The individual further explained that they were unable to prevent the bills from being sent but instead reassured me that based on the EOB the account would be corrected and I could ignore any more bills as once the account has been corrected the bills would cease. I asked would the fact that I had been receiving bills monthly cause my account to be turned over to collections and was told no because I was not responsible for the balance. I did not notice any more bills effective XX/XX/XXXX. Today, XX/XX/XXXX, I received a call from IC Systems, a debt collection agency regarding a bill with XXXX XXXX XXXX XXXX. Per the debt collector, the account was submitted to them on XX/XX/XXXX. I called the billing department today and the automated system stated that the wait time was in excess of 50 minutes ; however, at the 30 minute hold time the call is automatically disconnected- this happened twice. I have attempted to reach their corporate office to no avail. My employer requires me to not have any derogatory items on my credit and this false report to the debt collection agency had placed my employment in jeopardy.
05/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32907	Web
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT I C SYSTEM To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. 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 What do I need you to provide as the debt validation. 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 Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
09/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85142	Web
I paid a debt in full in XXXX/XXXX/XXXX to XXXX. I debt that I had to pay because I lost my home and where I was moving did not over XXXX service. XXXX although I had proof would not allow me out of the business contract I had. I paid the debt through a company called XXXX XXXX XXXX All payments were made payable to XXXX and sent to XXXX XXXX XXXX XXXX I have email letter from XXXX that states paid in full XXXX/XXXX/XXXX. Now a collection agency IC System is trying to collect XXXX from me, which was part of the balance I had already paid back in XXXX on the same account. I filed a complaint with the BBB and called XXXX. IC System is refusing to remove the debt from my credit report stating the have the right to do so because they have validity of the debt. They refuse to speak to me when I called them because I reported them to the BBB. The reason I went to the BBB is because they never sent me validity of the debt until I made the request through the BBB. I thought it was a scam because I had paid the bill in full XXXX/XXXX/XXXX. When I called XXXX they no longer have a ledger of payments made and want me to fill out a complaint form. XXXX ca n't even tell me if they turned my information over to IC System. They stated they deal with several companies. In the meantime I have to deal with information on my credit report. Why when this bill was from XXXX, paid in XXXX as agreed can a collection agency come up with something like this? I use checks to make payments and sometimes money orders. I will have to now try and locate both from years ago. I would have to pay for XXXX to XX/XX/XXXXstatements in order to do this and feel I should not have to do so when I have confirmation from the XXXX XXXX that I was paid in full. I have 26 communications over the 7 months of me paying XXXX payable again to XXXX. I am unable to reach the XXXX XXXX listed below and get no answer. Please Help!! IC System XXXX. XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX DE. XXXX XXXX XXXX XXXX XXXX Fax XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
07/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11203	Web
On XXXX XXXX around XXXX, I obtained a copy of my credit report and seen the account IC SYSTEMS on my report. I opened a dispute with XXXX and the representative also told me to contact the company IC SYSTEMS. I contacted IC SYSTEMS and I told them that their attempt to collect a debt is very unlawful. I spoke with XXXX XXXX Employee # : XXXX, I asked him how did his company obtain my information to furnish information on my credit report, he told me through XXXX. I asked him if the company verified that the alleged debt is valid against me and if they did verify where is the documentation. He then proceed to cut me off and say we can set up a payment plan. How can we set up a payment plan, when you can not let me know how you verified the information that XXXX sent you? This company is in violation of many FCRA acts. Listed below is the biggest act that I believe they are in violation of. 18 U.S. Code 894- Collection of extensions of credit by extortionate means. ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. IC SYSTEMS is in violation of this Act as they have not verified or validated the debt but are still attempting to collect. They are punishing me by reporting negative information on CRA reports which is negatively impacting my ability to obtain credit. I also NEVER consented for XXXX to give nonaffiliated third parties my information and I never received notice that XXXX was giving away my information. Unfortunately XXXX was in violation of the GLB Act. They failed to notify me a consumer about their information-sharing practices and failed to tell me of my consumer right to " opt-out '' if I don't want their information shared with certain nonaffiliated third parties. So even if this company IC SYSTEMS believes that they have followed all laws under FCRA rules, it is still in violation under the GLB Act.
08/01/2016	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 77095	Web
i was not aware of any moneys owed, XXXX XXXX waited for 1 year and 5 months before sending me any notice of informing me moneys are owed, i not only question the validity of this money, i also question the tactics used, the call me on XXXX XXXX 2016, informing me that moneys were owed, i ask for written details, which i was told was on its way to me, i got a mail on on XXXX XXXX 2016. i called XXXX XXXX XXXX XXXX XXXX with intent to resolve this and was told the debt was sent to collection, does this not violate every single FTC rules, i was not given the opportunity to pay or investigate the validity of this debt, i was sent a letter which is the first notification i ever got from XXXX that unless they receive payment in 5 days they would send account to collection agency, they did not give 3 day room for Post Office delivery, the letter was not expedited or sent with any delivery confirmation. now they forwarded it straight to collection before the 5 days was concluded. this violated FTC rules. if payment request is made, i should be given a decent amount of time to review ad understand the validity of the debt and ask any questions to satisfy their claims these were denied to me. and i called same day i received the letter only to be told it was in collections already. i was asked to call on Monday XXXX XXXX, 2016 to speak with a Supervisor so we could clear up any balance if owed.only for supervisor to inform me it has been sent to IC Systems and nothing could be done on this account. first of all i never switched my account to XXXX XXXX, they never had my permission to transfer my service, i questions them on how did my service get managed by them and also i transferred back to Power company of choice and now it seems they are attempting to penalize me for this, why should i pay a cancellation fee if they fraudulently moved my account to their organization, what number was this call from that moved service. was there a recording? anyway i am willing to pay it off just for a settlement but i protest and would pursue every legal action if reported to my credit report
07/13/2017	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	VA 23504	Web	Older American
I was a customer of XXXX from XX/XX/XXXX- XX/XX/XXXX called advised I would be getting another carrier asked my name and number be removed from the bill my contract expired. My daughter remained a XXXX subscriber they removed my phone number from the bill but left the account in my name when I called they informed me the account had been changed over. Although I did not receive any more bills they failed to put the account in her name. I have proof that I was a subscriber with XXXX in XX/XX/XXXX same phone number and now XXXX for over a year the same phone number. I provided a notarized statement as proof the bill is not mine, called the company ( XXXX ) asked them to send me a copy of the contract because I have not signed a contract with them in years no phone contract last forever. XXXX refused to correct this error sent me a form to complete wanting me to charge my daughter with fraud when it was their error for not changing the bill and address into her name, they sent bills to an old address they had on file. At any rate it has runied my credit my mortgage loan through the bank was disapproved for the recent collection on my credit report, I retired in XX/XX/XXXX no bills have come to me. I have made numerous attempts to resolve this issue with them they simply remove it from one credit report to another with a different collection agency. I want this removed from my credit record entirely because my husband has XXXX I need my credit to remain in tact to but a home based on my income it can not happen with this debt which does not belong to me binding every step I try to take. The collection is now with IC Systems, and was being carried by a company called XXXX. The collection agencies should be held accountable for ruining your credit without performing an investigation. I am asking them to produce a contract bearing my signature after the 2 year contract period as proof. The people at XXXX are rude I have names of those I have spoken to supposedly in their corporate office. Please help resolve this complaint I need clsoure to move on and clear my name. XXXX XXXX XXXX
04/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11201	Web
XXXX Closed Submitted Status Submitted to t he CFPB on XXXX ProductOther ( i.e. phone, health club, etc. ) IssueDebt is not m ine We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT XXXX has submitted alleged cable bill to XXXX collection companies for which I do not owe. I have never lived at the address for which I am being billed. I previously made this info available to the first collection agency in XXXX XXXX . Additionally, I filed ID THEFT complaint with XXXX Police Dept., notified XXXX XXXX CREDIT RE PORTING AGENCY, AND IDENTITY THEFT.GOV Now, in XXXX XXXX I am being asked to pay. View full complain t Sent to compa ny Status Sent to compa ny on XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. Company responded Status Company res ponded Closed with explanation on XXXX Response T ypeClosed with explanation Company 's respons e Re : IC System Reference No : XXXX Account No : XXXX Your Credit Bureau Account No : XXXX Dear XXXX XXXX : Thank you for contacting us. In an effort to close the account, our client, XXXX , is requesting a fraud packet be completed and returned to them with a copy of the ID Theft complaint with XXXX Police Dept. IC System h as ceased all collection activity on the account to allow time for the packet to be returned to XXXX . Attached is the fraud packet. Sincerely, Consumer Affairs on behalf of IC System, Inc. T oll Free No : XXXX This communication is from a debt collector same
10/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 349XX	Web
This debt arises from a XXXX account that was canceled in NJ before my move to FL. I canceled the account in XXXX XXXX. The debt arises from utility usage from XXXX XXXX to XXXX XXXX. While the account was active and I was living in NJ the account was paid through XXXX bill pay site. After XXXX XXXX no additional bill was presented for payment on the bank site. No e-mail, paper bill or phone call was received. The first contact about this delinquency was made in XXXX when a different collector contacted me by phone. I responded with information that I moved to FLA and canceled the NJ account in XXXX XXXX. I never heard from that agency again, who indicated they would further investigate the situation. On XX/XX/XXXX I was texted by XXXX that I had an account in collections. I went to the XXXX site and pulled up the information. I contacted the agency, IC System , IncXXXX, who did not attempt to call me on the phone ( I still have the same phone number ), mail, or e-mail. I explained that this is a recurring error, they told me the debt would remain on my credit report until I paid the debt. I paid the debt that does not belong to me to avoid further damage to my credit. This company unethical collection tactics by reporting the erroneous debt to credit agencies without speaking with me or investigating the debt. They not only threatened to report the erroneous debit, they actually reported it without contacting me. I am now spending numerous hours to fill out disputes and enter statements with my creditors. I am getting e-mails and phone calls from debt repair agencies and my credit score dropped over XXXX points! The agency indicated it would take XXXX to XXXX days to remove the collection from my credit report after I satisfied the debt. If no payment, the collection would remain. They were unwilling to further investigate the original error made by XXXX. The account was canceled so long ago l ( almost XXXX years ) that I no longer have any of the account information or anything I did with the original agency to dispute that the account was active after XXXX XXXX.
11/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 67401	Web	Servicemember
At approximately XXXX p.m. XXXX on XXXX XX/XX/2018 I received a telephone number while I was attending XXXX classes ( my full-time job ). The number that showed up on my caller identification was from ( XXXX ) XXXX and was listed as a " telemarketer. '' The female caller asked if I was " XXXX '' and was she speaking to him. I said " yes. '' The female caller ( whom I later identified as XXXX XXXX representing I.C. Systems ) began to tell me that I owed a debt of {$90.00} plus dollars for XXXX XXXX. After I told XXXX XXXX about the 'fact ' that I don't owe this debt and 'vehemently ' deny it being my debt ; XXXX XXXX began to engage with me in a very closed-off manner accusing me of cutting her off from speaking and telling me that she and her company aren't making money from this transaction. XXXX XXXX falsely represented the money she claims is owed to her and I.C. Systems. Earlier in 2018 I switched cable providers and informed XXXX XXXX as such. During a series of phone calls between XXXX and myself it was told to me that I no longer owed any monies and my account was " paid in full. '' I moved on. However, I then get contacted by XXXX XXXX who is purportedly representing I.C. Systems ( which when asked for the address of her company I was denied that address ) telling me I owed more money than XXXX claims which is zero! I reminded her that I felt she and her company were just trying to make money and that they had bought ( what she described as a contract ) this wrongful debt and was attempting to take money from me. I also told XXXX XXXX to never contact me again ( as this is a work number and I was in school and it disrupted a discussion I was involved with ). XXXX XXXX did falsely say that the telephone ( XXXX XXXX XXXX was the only number she and I.C. systems had. If that is so, why was the phone number she was calling from state otherwise as listed earlier? The fact is XXXX XXXX ( if that is even a real person ) and I.C. Systems are involved in a racket to manipulate innocent victims into giving them money which is criminal and thus should be punished as such.
08/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	RI 029XX	Web
This all started with XXXX when I received a bill earlier this year for medical expenses of {$140.00} from services received on XX/XX/XXXX for my daughter that was already paid by my Health Savings Account ( HSA ) Bank automatically on my behalf on XX/XX/XXXX. ( I have automatic claim forwarding where a check or ACH payment is made automatically for what I owe from my HSA from my HSA bank ( XXXX XXXX ) ). I submitted a copy of my HSA statement to prove that the debt was paid. I continued to get calls about the debt and told XXXX that I sent a copy of my statement to prove that the debt was paid. The last associate I spoke to, on a recorded line, stated that she found my payment but that it was coded incorrectly and would need to be sent back to administration to be fixed. I was assured that a cancelled check to further prove payment was not needed and that the account would not go to collections. A month later, I received a validation of debt letter from IC Systems claiming that I owed XXXX {$140.00} that was not paid. This is the same debt that I spoke to XXXX about previously and submitted my bank statement to prove payment. I then disputed the debt and sent a copy of the statement proving payment to XXXX to IC Systems. I received yesterday, XX/XX/XXXX, a letter from IC Systems that the debt was valid and that I owed {$140.00}. I am furious and am going on vacation with my family. I now have to take time away from my family to call my HSA bank to request a copy of a cancelled check, from ten months ago, to further prove that I do not owe {$140.00}, the debt was paid, the check was cashed by XXXX and was not correctly posted to my account. It saddens me that I have to go through such great lengths to prove that a debt for a medical expense from last year was paid ten months ago. I am also concerned that this may be on my credit report as a debt and would be inaccurate as the debt was paid. I am attaching a copy of my bank statement which clearly shows that a {$140.00} check was cashed from my account that was sent to XXXX for a claim on XX/XX/XXXX on page 2.
09/11/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85014	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
04/29/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AL 357XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
07/15/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63033	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENC E
09/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 20011	Web
I have my credit monitored. Whenever there are any changes, I receive email notifications. On XX/XX/2020, I received emails from both my XXXX Credit monitoring and my XXXX monitoring that a debt collector, I. C. System , Inc., flagged by credit report. I had never received any notification that a debt was attempted to be collected by any company. I didn't even have a reference number. I only had the name of the debt company trying to collect money owed because of my credit monitoring service. I immediately called I. C. System, Inc. and able to verify that its XXXX that wants to collect a payment of {$82.00} dollars. I ask the Debt collector why I had not received ANY notification of a debt owed. The customer service representative told me that they had the wrong apartment number so their letters were " kicked back '' to the company. Therefore, she acknowledged that I received no notification. I asked why they had not called me to verify my address or to inform me of the debt owed and they said that the Company did call my cell phone on XX/XX/2020. However, the company did not leave a voicemail. Also, I have no record of a phone call being received. The company did not have any record of trying to call me after XX/XX/2020. Therefore, the company did not notify me of my debt prior to reporting it and wreaking havoc on my credit report. Instead, the Company waited 90 days after having the account to flag my credit. Now, my credit has been compromised and my high score ruined because of an administrative error due to the company. I do not see how it's fair for a debt collector 's administrative error of trying to collect {$82.00} dollars results in years of hard work undone. I paid the debt immediately. The debt could have been easily settled in XXXX and there would have been no reporting on my credit if the Agency had officially notified me of the debt owed. It appears that the company purposefully waited to report it to credit reporting company so I would call them. The confirmation of payment is XXXX and the Reference number of the debt is XXXX XXXX.
04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78245	Web
I requested validation on this alleged debt a day they continue to report it on my credit. I have not done or agreed to do any business with IC SYSTEMS nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is a direct and blatant violation of my rights under15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE IC SYSTEM ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Law Attached for reference XXXX XXXX XXXX
01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	TX 75243	Web
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 Bureaus, 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 regarding the following account listed in document. Please provide me with : XXXX. What the money you say I owe is for. XXXX. A detailed explanation of how you calculated what you say I owe. XXXX. Copies of any and all papers that prove I agreed to pay what you say I owe. XXXX. A verification or copy of any judgment, if applicable. XXXX. The identity, name, and address of the original creditor. XXXX. Proof that the XXXX of Limitations has not expired on this account. XXXX. Proof that you are licensed to collect in my state. XXXX. Your license numbers and XXXX XXXX or XXXX of XXXX. 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 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 : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character If your offices can provide proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60610	Web	Older American, Servicemember
A continuation of my harassment by I.C. System notwithstanding my prior complaint XXXX about a purported debt I do not owe. I received an I.C. System " Account Update '' dated XX/XX/XXXX ( attached ) stating ( in apparent response to my XX/XX/XXXX complaint XXXX ) : " confirmation that I.C. System will no longer pursue collection of this account and will return it to XXXX XXXX, Powered by XXXX. '' That caused me to accept that my complaint was resolved. That was wrong. Just 9 days after its XX/XX/XXXX " Account Update, '' I.C. System sent another collection letter dated XX/XX/XXXX ( attached ), purporting to be an " Account Validation. '' As purported " validation, '' I.C. System sent the same bogus XXXX invoice dated XX/XX/XXXX I.C. System previously sent to me on XX/XX/XXXX ( attached ). I informed I.C. System by letter dated XX/XX/XXXX ( attached ) that I had never previously received that XXXX invoice or any other communication from XXXX because I've never had a business arrangement with XXXX. I demanded in my XX/XX/XXXX letter, as I have in my XX/XX/XXXX letter, my XX/XX/XXXX letter, my XX/XX/XXXX letter and my XX/XX/XXXX XXXX letter ( each attached ) ( a ) evidence that I ever had a business arrangement with XXXX ; ( b ) proof that the modem on the bogus XXXX invoice was XXXX XXXX ; and ( c ) evidence I ever got the bogus XXXX invoice or any other communication from XXXX. No such evidence or proof has ever been furnished. I.C. System is engaged in consumer harassment without evidence or proof that I owe anything for XXXX or hold any modem that XXXX can prove it owns. I want this harassment stopped. I.C. Systems obviously undertook no diligence to verify I owed anything to or hold any property of XXXX. Yet I.C. System has persisted in harassing me for two years. If that is not consumer abuse, what is? I.C. System needs to be legally disciplined because, based on review of consumer complaints about I.C. System to the XXXX XXXX XXXX, harassing consumers to extract money they do not owe is an all too common and legally questionable tactic.
07/16/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AL 357XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
12/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
On XX/XX/2022 I received a notice to collect a debt from I.C. System Inc suggesting that I owed them a debt through their client, XXXX. The notice did not have a date to signify when the notice was written or sent and requested that I respond by XX/XX/2022 or the debt for the amount of {$1100.00} would be assumed valid. On XX/XX/2022 I received a " Settlement Offer '' dated XX/XX/2022 from I.C. System Inc in an attempt to settle the debt for 70 % of the balance due, which was bumped up to {$1200.00} with no explanation. They still had not verified the debt at this time. On XX/XX/2022, I sent I.C. System a notarized Request For Debt Validation letter outlining my rights as a consumer to have the debt properly validated pursuant to FCRA [ 15 USC 1692g ] and to help them out I listed all of the items they are required by law to send for debt validation. I sent this notice via certified mail ( tracking no. : XXXX XXXX XXXX XXXX XXXX ) with a green return receipt. My letter was verified as delivered through tracking on XX/XX/2022 to the XXXX XXXX XXXX I.C. System provided in their notices ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The return receipt never made it back to me. However they did receive my letter, as they responded to it within the given time frame. On XX/XX/2022 I received their only response to my Request For Debt Validation to an address that was not listed or authorized by me. The address they sent the response to is a relatives home, not my own. The response that was attached was a phone bill from XXXX for {$1200.00}. A bill is not proper validation of a debt according to XXXX XXXX XXXX and I.C. Systems has violated my rights pursuant to 12 CFR 1006.34 ( c ). They have failed to provide all of the required documentation as per my request under the new rule Regulation F and Validation of debt XXXX XXXX ( c ). During the time of the dispute I.C. System Inc took no action to delete the debt from my consumer report nor at the very least did they take action to update my consumer report to reflect that the account was in dispute.
05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30092	Web
On XX/XX/XXXX, I received a notification that a collection account had been added to my credit report. The company is IC Systems, and according to my credit report, the alleged company they are collecting on behalf of is XXXX. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC on XX/XX/XXXX regarding this matter. Furthermore, as far as this IC Systems account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, 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 IC Systems offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform IC Systems that if their office continues 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 this negative mark 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 them and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
01/29/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
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 Bureaus, 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 regarding the following account number attached in document. Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. 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 : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. 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.
11/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 230XX	Web
On XX/XX/2021 I ordered a phone from XXXX. I was told the phone would have either a XXXX or XXXX day ship, but it took longer than that. I reached out multiple times to XXXX and spoke to multiple representatives. In the beginning I was told my order did not ship out yet, then that it just shipped, and lastly that they couldnt find my order at all. After hearing all of this I was frustrated and decided do cancel the entire order. I called XXXX & was told that the order was already shipped and told to contact XXXX. When I called XXXX, they stated that they havent received my order at all. I then spoke to XXXX again and they gave me the run around. I was then told that the order was canceled and I had nothing to worry about. XXXX went by and I noticed XXXX XXXX tried to take different amounts of money from my account at different times. I visited my local XXXX and they called the collection agency and tried to get everything disputed. Before I left I was told by the XXXX experts that everything was handled and that the debt would be disputed and removed from my credit report. That never happened. I went back a little while later and did the whole process over with XXXX The agency told the experts that they did in fact dispute my claim but they put it back on my credit report due to phone usage & the phone account being used. Again I told both XXXX and the agency that I did not receive the phone, it was NEVER delivered to my home, due to me canceling it. I told them that when I spoke to the representatives I was told my order was successfully cancelled. I told them again and again that I do not have possession of the phone or any of XXXX equipment. Im not the individual that used nor opened the account etc. The XXXX representatives even stated to the agency that they have no active account in my name, and that its obvious Im not the one using the device or the account. The {$560.00} was then removed from my credit report for about a couple of months, & it is now back. I just want to get this handled. This has been going on for way too long.
06/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37122	Web
This is the third time your fraudulent institution has damage my person and personal consumer profile with an alleged debt that you are collecting that has already been proven not in compliance and unable to be verified. This account has already been removed from my consumer credit report twice but here you are again fraudulently trying to masquerade as a creditor when in fact you are a debtor and a trespasser on an alleged original consumer contract that you were never a party too. I am well aware of the FACT that YOUR Firm has a MAXIMUM of 30 days to PRODUCE ALL of the mentioned information in detail on the attached document, PERFECTLY without a single mark or error on even ONE of the many a multitude of items and data entries of which you MUST demonstrate to ME physically with irrefutable documentary evidence of certified truthfulness and equally of adequately accurate, complete and timely reporting above and beyond compliance. If your firm CAN NOT produce ALL of the above-noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered to me under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX and 37 other states that specifically EMPOWERS a working group to remediate and hold accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. You have 30 days from the postmark date of this validation demand to answer.
01/20/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78028	Web
XX/XX/XXXX, is the relevant date when this matter began when I first called to terminate my service. See the chronology attached below. XXXX XXXX XXXX erroneously continued to charge my account beyond the date service was to be terminated as well as assessing charges for equipment, which was all returned via UPS as instructed. I have spoken to their customer service several time and have ample notes and documentation of those calls extending over they past year and a half. I have also responded to I.C. System on several occasions disputing this balance of {$150.00}. I wrote to both XXXX ( successor to XXXX XXXX ) and I. C. System with full documentation and chronology of this debacle and demanding that this entry to my credit reports be removed. That communication was sent Certified Mail on XX/XX/XXXX. I have attached a copy of that correspondence below. XX/XX/XXXX I received a notice that I.C. System had removed the credit reporting entry, stating that they had, " been unable to verify the information and therefore had requested that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. '' That response further stated that " the debt will not be re-reported to the credit reporting agencies by I.C. System, Inc. '' XX/XX/XXXX I received a notice from I.C. System stating that " XXXX provided the attached information, verifying your responsibility for payment. '' The attachment was a copy of two statement pages from XX/XX/XXXX. However, if you review the attachment, there is no reference to the amount they claim of {$150.00}. This is clearly a cursory gesture by XXXX to justify this error so that I.C. System to continue their illegal collection attempts. Surely, I.C. Systems can not be exonerated from actually reviewing the documents to see that they actually do " prove '' the debt. Which this certainly does not. The consumer and debt collection statutes clearly charge such companies to exercise due diligence in validating the amounts they are attempting to pursue.
07/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30064	Web
I have no idea who I C Systems, Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I C Systems, Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I C Systems, Inc as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ I C Systems, Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to I C Systems, Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
04/04/2023	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	NY 121XX	Web
1 Collection XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account numberXXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$270.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with IC Systems, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. Aside from the personal injury to me, these persons ( XXXX and XXXXXXXX XXXX XXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with IC SYSTEM Inc to further injure my consumer profile. I have never done any business with XXXX not IC SYSTEM INC. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.
10/09/2021	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 30038	Web
XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from I.C. Systems for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from IC Systems and XXXX. XXXX XXXX provided no proof of debt and IC Systems indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with XXXX to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : XXXX responds that even though there is clear paperwork indicating that IC Systems was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to XXXX, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! XXXX XXXX hasn't provided any proof that this is my debt and IC Systems typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue XXXX XXXX, IC Systems, AND XXXX!
12/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90062	Web
I, XXXX XXXX, give authorization for I.C. SYSTEM, INC to move forward with this complaint. THE COMPANY " XXXX XXXX XXXX '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH I.C. SYSTEM, INC. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. XXXX XXXX XXXX HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations 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 ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 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.
10/24/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63031	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
12/19/2023	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	NY 10704	Web
I was a XXXXXXXX XXXX customer up until XX/XX/2023 when I moved and could not transfer the service. Although I was told by XXXX when I got a new plan that I would not be locked in for 2 years, when I called to terminate the service, XXXX claimed that I had to pay an early termination fee. I already paid the bill [ {$130.00} ] for XXXX so XXXX was to reimburse me for what I paid and send me a final bill. On XX/XX/2023, XXXX took money out of my bank account for XX/XX/2023, billing me for services that had been canceled. I called to have them reverse the charge and to ask again for a final bill. I did not receive a final bill in XXXX or XX/XX/2023, despite providing a forwarding address twice in XXXX and XXXX. I was unaware that once you terminate your services with XXXX XXXX, you can no longer access your online account ; so although I tried to log in and see what the final charges were, I was unable to. I called XXXX in XX/XX/2023 to ask why I could not log into the online account and was then informed that once you terminate services, you can no longer access the online account. I was advised to wait for the final bill which would provide me with the ability to pay the outstanding charges. On XX/XX/2023, XXXX reported the account as delinquent and sent to collections, tanking my credit score by XXXX points. On XX/XX/2023 when I was notified about this, I called XXXX to ask them why they reported the account as delinquent when I never received a bill and was advised to wait to receive the bill. XXXX stated that they would send the final bill out as soon as possible but that the damage done to my credit already was " not their problem ''. I received the final bill a week later [ it was mailed out on XX/XX/2023 ] and promptly paid the balance. I disputed the collections charge to my account and am still trying to get it removed. This has caused major damage to my personal credit as well as my business credit, which pulls from consumer credit reports. My business credit has now been slashed by XXXX as a result of this.
06/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44446	Web
I recently contacted the original company I have a delinquent balance of {$580.00} for an utility bill. XXXX XXXX XXXX XXXX XXXX company ) in good faith I want to pay my balance. I choose to pay them directly rather than the collection agency that shows up on my credit report. IC systems. I have made three payments thus far. Once I started making payments to XXXX XXXX XXXX XXXX XXXX IC systems is maliciously flagging my credit report every few days within 30 days! This is harassment I owe IC systems nothing and they have no right to put such derogatory marks on my report in attempts to lowering my score and tarnish my record. I have screenshots, pictures of how many times and how often they are doing this. This is violating my consumer right to fair reporting and also against the law. I am XXXX years old and I am struggling to rebuild my credit. I have been doing everything right and when I start making payments to the original company IC systems starts viciously attracting my credit report. IC systems dates of bogus inaccurate illegal reporting .... XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I will attach photos of each date. And proof of 2 of three payments I have made directly to XXXX XXXX XXXX XXXX. This is clearly an attack from IC systems and they must be held accountable for their actions. Because I choose to pay the company directly they choose to retaliate and attack me in such an unprofessional way. They no longer have rights to my account as I am currently in contact with XXXX and actively paying. They have absolutely no right to attack my livelihood in such irresponsible violating ways. And they can not deny their actions with the pictures Ill include with this complaint. This debt is old not new. All the damage IC systems inflicted on my report in 30 short days is unlawful. And Experian should NEVER allow such crime. XXXX has a LOT of violating inaccurate reporting. Purposely holding credit scores back with bogus reporting is a violation!
05/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 19709	Web
On XX/XX/XXXX my mother and I decided we would merge our cell phone accounts together. We called in and did this. We got everything changed and working and I asked the guy any outstanding bills for the number ending in XXXX after this he advised no. A little while goes by and I receive a bill in the mail for {$140.00}. I call XXXX and spoke to a representative and advised we were told no balance for me and she stated that she didn't see any notes on my account but because of the inconvenience she would cut the bill in half and I would then owe {$73.00} and to give it 24 to 48 hrs to show on the account and call back. So I called back 4 days later really upset cause not only did I receive another bill in the mail but this time it was 219.75 so instead of taking the {$73.00} off they added it sent it to collections and reported this information to all 3 credit bureaus. After repeated calls to XXXX I decided I was getting no where so I went and called the Collection agency and paid a settlement in the amount of {$160.00} to get rid of this and be done with it since nobody will help me and take responsibility so called the collection company to ask why this was still an open balance on my credit report XX/XX/XXXX and spoke to XXXX and she stated they didn't receive my payment but sent me a payment receipt XXXX bal. I paid more then what I was supposed to and now this. I am trying to purchase a house and this being reported to all 3 credit bureaus after stating it would not be is very upsetting. Even after all this I still have been trying to call XXXX and the collection companies all to get nowhere and completely disrespected and no help to resolve what so ever. I have never been talked to or treated in such a manor it was ridiculous. Nobody wanted to hear or acknowledge anything I tried to say. Like I was just lying trying to get out of a bill I was very offended. I still have XXXX for my cell phone and XXXX for cable and internet and I am seriously considering breaking my contract and moving elsewhere very disappointed.
04/05/2020	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 313XX	Web
I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$4200.00} There are no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and 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 is hereby requested. Additionally, please provide the 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 items are inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit 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 any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
08/26/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I had my vehicle stolen in XX/XX/XXXX that was recovered by the XXXX XXXX Police department approximately 10 days later. My vehicle had been towed to the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX. When I went to the XXXX XXXX XXXX yard to recover my vehicle I was devastated to see that the tires were missing, the seats were gone, the glove box and interior was stripped and all my personal belongings in the car were gone. I advised the rep working for the tow yard that I had no interest in the vehicle at this point as the accumulated tow fees exceeded the value of the vehicle at this point in time and was releasing myself of any and all liability on the vehicle and that the paperwork on vehicle was in the vehicle which they would not allow me to retrieve. The rep stated that was fine if that's what I decided to do. The only notification I ever received from the XXXX XXXX XXXX company was the notice of auction. A few months later I received a collection notice from IC Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX dated XX/XX/XXXX indicating that they were attempting to collect a debt for XXXX XXXX XXXX company in the amount of {$2700.00}. I spoke to XXXX employee ID XXXX at IC Systems on XX/XX/XXXX and filed a dispute since I had never received any type of billing notice from XXXX XXXX XXXX. I was advised that a billing statement would be requested and sent out to me which to this date I have never received. I spoke to Mr. XXXX on XX/XX/XXXX and was advised that he would escalate the request to his Manager to have a billing statement sent out to me which I have not received. I spoke to XXXX at XXXX XXXX XXXX on XX/XX/XXXX whom was very rude she indicated that the vehicle sold at auction and I am responsible for the towing and storage fees on this vehicle. I wanted to know why wasn't a bill ever sent out to me and she stated that one was sent but would not verify the address or date it was sent. If any additional information is needed please let me know. Thank you
09/18/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80301	Web
There was an inquiry that came up on my XXXX credit report describing an XXXX XXXX XXXX XXXX account that XXXX different collection agencies have tried to collect on. I have disputed this claim on XXXX and XXXX and am currently working on filing a dispute with XXXX XXXX. The claim was successfully disputed on XXXX, but not on XXXX or XXXX XXXX. I have called both collection agencies ( XXXX and I.C. System Inc ) several times and sent in a fraud packet that was apparently never received. The account that is in question was opened for an XXXX XXXX XXXX XXXX account. I have never opened an XXXX XXXX XXXX account and am still in fact on my parent 's mobile plan through a family plan account. The collectors ' agencies continue to say that this is my account because it was opened with my name and social security number, but the account has a different email address which is also not mine. This person has an email address : XXXX, or something to that effect, and a XXXX XXXX XXXX in XXXX XXXX Ohio. They have continued to use this email and address to open fraudulent accounts under my name and social in the past and continue to do so now. I recently opened a high yield savings account through XXXX XXXX and this person change the username and password to the account within a week of my opening it. I then had to get XXXX XXXX XXXX to cancel the account and reopen a new account with my correct information and delete the XXXX email that was connected to this account without my authorization. I could see through my XXXX XXXX account settings that this person added their email address to my account and had their phone attached to my account as well, which was some type of XXXX phone. This email address has also shown up in my personal XXXX XXXX XXXX bank account along with the XXXX XXXX address. I have since hardened my online account by subscribing to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Somehow this person is still able to access my accounts and open accounts using my name and social security number.
06/26/2023	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	TX 79065	Web	Older American, Servicemember
I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with XXXX. Since it had been removed once before, I assumed it would be a simple process to have it removed again. This time XXXX chose to keep the erroneous information on my credit report because the collection agency, IC Systems, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from XXXX 's investigation. Neither XXXX XXXX XXXX / XXXX XXXX nor IC Systems ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. XXXX failed to conduct any meaningful investigation into the factual basis for the claims made by IC Systems. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for XXXX to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from my credit report.
07/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
Debt placed on my credit report but is not mine. Have never received any communication about debt and when I called collection company they could not locate information and stated they could not help me and hung up. Filed dispute with XXXX and there findings say it is viable so I asked how could they call it viable when I could not get any info about the debt. This item had been placed on my credit before by another collection company and later removed when I notified them it was not my debt. The company that placed the account for collection is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX. They were trying to collect for an address in XXXX IA and had a collection company called XXXX XXXX who also placed it on my credit report. I ultimately disputed the item since it did not belong to me. I have resided at the same address in IL for the past 17 years and never lived in IA. I sent a fraud report to XXXX and they removed the item from my report and informed XXXX XXXX. I thought this was the end of the issue until it showed up on my report placed by I.C. System Inc XXXX who I contacted and would not help me because I do not live in XXXX IL and they hung up on me. I have disputed this item twice thru XXXXand there reply is it is a viable debt. I cant understand this decision since I can't get info from the collection company what type of info did they get. Other than this showing up on my credit report and dropping my rating by 70 pts and causing my Credit Card Companys to drop my credit line and making it impossible to get loans I have not received any bills or notices of collection from XXXX or IC Systems. I had my wallet stolen several years back and have a police report to verify the instance. All my IDs were in it along with my SS card. XXXX has been of no help and they do not provide a thorough investigation and XXXX and IC systems refuse to listen or provide info but were quick to place on my credit report. If XXXX would require proper IDs when establishing services this situation would not occur.
09/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11211	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM, INC for a number of federal violations. I have NEVER given I.C. SYSTEM, INC any kind of permission to use any of my identifying information to commit mail fraud by contacting me about this alleged debt they claim I owe. I am fully aware that in accordance with Article 9, the assignment of a defaulted note is completely illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). Ive never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
12/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34772	Web
They failed to respond my request tracking # XXXX item was delivered at XXXX am on XX/XX/2021, in XXXX XXXX, MN XXXX letter attached. which is a FDCPA violation, and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation To whom may concern This complaint is to formally advise you that your company has violated my consumer rights in the following ways. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my letter- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. This is a notice of default and opportunity to cure ( letter attached ) for I C SYSTEM as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. In this attachment will be all previous attachments sent to I C SYSTEM including affidavit of truth, Exhibits A ( Pointing out each violation ). I will be producing an invoice in the future with new violations in the case you default again, and a lawsuit will be commenced against you. My specified remedy for damages incurred are as follows : Removal of all negative reporting from all consumer reporting agencies. I demand you pay the invoice attached for each labeled violation If you dont comply with my request ( remedy # 1, remedy # 2 ). A Lawsuit will be commenced against you adding further injury, damages, mental anguish, and losses due to me being a victim of violations and identity Theft by your company.
07/20/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29642	Web
in XXXX or XXXX a women claiming to be sales person for XXXX XXXX came by our home which is also our listed place of buiesness i was on a phone call inside my husband and partner outside working with our employees> who are were also witness to the meeting> my husband and i both told her the same thing we have internet with XXXX a private foirm no contract and we are happy with them and not interested she acted as if she just wanted to rest and stay cool for a min and myself and an employee talked with her and finally i told her i needed to get bnack to woerk we had two customers dropping there trailers off to get work and i dont do just paperwork and i appologized. the next day boxes arrived from XXXX like they had already been ordered and were sitting on my porch i calleed XXXX and told them the needed to deal woyh picking them up and i wasnt accepting them and the situation and a XXXX guy picked them back up next thing i know i have been rebuilding my credit after my exhusband unknowingly to me ruined my credit so my current husband and i can purchase our first home> we are going on a year of disputing the charges through the credit bureau and charter having them removed and then the collection agency putting them back on my credit. this has caused irrepuobal damage to my relationship and my credit as well as kept us from being able to move from a really aweful living situation that has gone so far now as to my husband was just XXXX right ouside our home but a family of XXXX people were at any given time they had XXXX people XXXX on my husband his XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX and body> we live in a small XXXX town and it is hard enough finding in our up and coming town land and a home even less so when your credit cant be improved> please help us and if i am not mistakjen this is also on my husband XXXX XXXX XXXX report and our buiness report> THanks XXXX XXXX XXXX Owner operator and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78228	Web
Dear XXXX XXXX XXXX XXXX, I am writing to demand an immediate cease and desist of all collection activities related to the alleged debt associated with account number XXXX & XXXX. I also request that you remove this fraudulent account from my credit report within four ( 4 ) days of receiving this letter. Failure to comply will result in litigation for violations under 15 U.S. Code 1692e ( 12 ). I have not validated this alleged debt, and my failure to dispute its validity does not imply admission of liability. I have not received any documentary evidence, such as a trilateral contract, establishing your right to collect on this debt. Your furnishing of this alleged debt to my consumer report without prior validation violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This constitutes fraud, including the violation of 15 U.S. Code 1692d ( 4 ) ( debt parking ). If you can not provide proof of a lawful validation attempt before furnishing this debt on my report, it is evident that this account has been fraudulently furnished to harm my financial reputation. I hereby refuse to pay this debt under 15 U.S. Code 1692c ( c ). I demand an immediate cease and desist of all illegal activities, including communication and collection efforts, until you can provide sufficient documentary evidence establishing my legal obligation to pay. Failure to comply will result in litigation for actual damages caused, and you may be held criminally liable for aggravated identity theft, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of this letter and accompanying documents, you are hereby notified pursuant to UCC 1-202f. I expect your prompt attention and response to this matter. Please provide a written response within four ( 4 ) days, confirming the cessation of all collection activities and removal of this fraudulent account from my credit report. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
12/30/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43068	Web
Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and XXXX authorization. 1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, 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 agency. XXXX. ACCT NO. XXXX - BALANCE {$760.00} XXXX. ACCT NO. XXXX - BALANCE {$780.00} XXXX. ACCT NO. 898205 - BALANCE {$1000.00}
05/09/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 70816	Web	Servicemember
Re : Request for Debt Validation Account Number : XXXX Dear Sir/Madam, I am requesting validation of an alleged debt your company is attempting to collect from me. According to your records, I owe {$120.00} to XXXX XXXX XXXX. Before making any payments or discussing the matter further, I would like to ensure that the information associated with this debt is accurate. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the alleged debt : A detailed explanation of the amount claimed, including an itemized breakdown of the principal balance, interest, fees, and other charges. A copy of the original contract or agreement between the original creditor, signed by both parties and me, shows I agreed to the debt. The date of the original debt and the date the debt was transferred to your agency. Proof that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority. The name and contact information of the original creditor, if different from the current creditor. Any payment history associated with the debt, including the dates and amounts of my payments. Verification that the debt is still within my state 's statute of limitations for collection. Please note that, under the FDCPA, collection activities must cease until you have provided the requested information to validate the debt. If you can not provide the required documentation, I request that you cease all collection attempts and remove any negative information about this debt from my credit reports. If the alleged debt is valid, please provide the requested information within 30 days of receipt of this letter. If I do not receive the information within this time frame, I will consider the matter resolved and expect no further communication regarding this debt. Thank you for your attention to this matter. I look forward to receiving the requested information. Sincerely, XXXX XXXX
04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70364	Web
DEFINITION of Zombie Debt : I had internet service with XXXX and moved, I brought my equipment and closed the account ( XX/XX/XXXX ) and opened new account ( XX/XX/XXXX ) with XXXX at the new address, which I kept for 13 months ( XX/XX/XXXX ). The manager ensured that the account was Closed, and I never received any information that the old account was not properly closed in the XXXX system. The service at New Address was never interrupted for any reason ( such as Non-Payment ). I ended that contract ( with XXXX ) after 13 months and moved to another service ( XXXX XXXX XXXX ). In XX/XX/XXXX I received a letter from XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I again hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. In XX/XX/XXXX In XX/XX/XXXX I received a letter from I.C. System that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I was able to Dispute at ( 2 ) Credit Agencies, but ( 1 ) Credit Agency has marked the erroneous debt a Valid. I have AGAIN hired a Lawyer to Dispute the Validity of this erroneous debt. My Credit Score has taken an 86 Point Drop ( from high 700 's to high 600 's ). I was in process of making a major purchase, which I have now had to put on hold to correct these errors. The fact that Debt Collectors ( such as I.C. Systems ) will purchase bundled debt obligations without the previous Debt Collectors ( XXXX XXXX and XXXX XXXX XXXX ) scrubbing erroneous customer information is the Definition of Zombie Debt, it just won't go away. My attorney actually recommended that I pay a debt that I don't owe, but agreed that it might not be removed from my Credit Report.
08/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33712	Web
I was an account holder with XXXX. My account # was XXXX. XXXX was notified that my Landlord revoked permission to have the dish on my roof. The rep was to cancel my account. I was advised I would NOT be charged a cancellation fee because it was my landlord who was revoking the permissions. A box was sent to me and the receiver was promptly returned. XXXX has acknowledged receipt XXXX XXXX, 2017. A few weeks later I received a bill for early termination and service use. I immediately contacted XXXX and the rep I spoke with acknowledged my service should have been disconnected. She acknowledged I was being billed incorrectly for the termination fee. She also acknowledged I was being billed for two months of service after I returned the receiver. She advised me the issue would be resolved and I would receive no further bills. NOW I am getting a collection letter from IC Systems. They are advising my account is in collections. I advised I was disputing the debt. The collector stated I needed to contact XXXX directly. I spoke with XXXX from XXXX on Friday, XXXX XXXX, 2017. She was rude and disrespectful. She intentionally hung up on me and placed me back in the queue. The next representative barely spoke English and disconnected my call as well. I called back a 3rd time and XXXX was my XXXX rep this time. She advised me XXXX did n't have access to my notes since the account was in collections. She advised I write to the corporate office. I spoke with XXXX XXXX at the collection agency. I was advised he was a manager. He offered to Settle the account. I advised him I am disputing this bill as false. I made him aware of my intentions to file a complaint. I have sent this complaint in writing to IC Systems as well as to the corporate office of XXXX in XXXX XXXX, CO. I am desperate to have this corrected. I do not want this falsely reporting on my credit bureau report. This debt is an error. If someone would take the time to read the notes on my file they would see the error by XXXX.
10/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV XXXXX	Web
This collection company I C System, located at XXXX XXXX XXXX in XXXX XXXX, MN XXXX, was sent two debt validation letters on XX/XX/2019. One of the letters was priority and needed a signature. The other letter was certified with tracking. The reason why I sent a debt validation letter is because this collection company continued to report information on my credit report and I never received a letter from the company. I'm not sure where the debt originated from, but to continuously report a debt owed without proof that I am the person who isresponsible is against the law. I'm not sure who this debt was intended for, but I am not the correct person. I sent the letter as a way to get the background information for this debt and to let the company know that until they provide me with the details of this debt showing I am responsible, they need to stop reporting this false inaccurte information. On XX/XX/2019 I C system, received both letters. The letter that required a signature was received by someone named, XXXX XXXX. I also show the certified letter was delivered on XX/XX/2019 at XXXX. On XX/XX/2019 I viewed my credit report and noticed that IC systems continued to report the debt to the credit bureaus, without providing me with the proper documentation. The demand letter also advised IC systems, that they had 30 days from the date on he letter, however i allowed 30 days from the date received for their response, along with all the requested information. The letter also advised that during this period all collection activity was to cease and desist and the company ignored this right. Under the Fair Debt Collection Practices Act, I have a right to request for valdiation of a debt, that is stated I owe. This is pursuant to 15 USC 1692g Sec 809 ( b ) by the FDCPA. The letter sent also stated that if IC systems continued to report the fraudulent information and invalidated information I would pursue legal action, which I am prepared to do as IC Systems is in violation of the FDCPA.
02/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 11510	Web
On XX/XX/XXXX I was alerted to go on line by my refinance lender to see what was going on. I did, and discovered that my credit score dropped 144 points. In a PANIC, I discovered that I was put into collections by I.C. System for an unpaid medical bill with XXXX XXXX/XXXX. I called XXXX to see why they put me in collections, and they said that they don't bother looking in their portal system, so they didn't see my inquiry regarding the {$410.00} charge as incorrect. I was told by the office manager that they send out 3 notices then put it in collections. A review of my credit information shows that IC System started putting me in collections on XX/XX/XXXX. I NEVER RECEIVED ANY COMMUNICATION FROM IC SYSTEM for this collection. NOT ONE. As soon as I saw that my credit score dropped 144 points, I IMMEDIATELY contacted IC System and paid the debt. I had no choice. I was trying to refinance my home, and I couldn't risk being denied. This is fraud, and I'm charging XXXX in it. IC System sent me two notices AFTER I paid, but none while they put me in collections on XXXX, again on XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX, my score dropped 144 points. Not only did XXXX raise me back to XXXX, but mysteriously removed that I ever had a debt collection notice! I believe that XXXX and IC System and XXXX are working together to basically hold a financial gun to peoples heads to FORCE them to pay charges without question. I disputed the charge to XXXX after their XX/XX/XXXX bill. I went through their system portal. Since I never heard from them, I thought they wrote off the claim. I found out later that they don't bother reading the portal claims. They collect payment by submitting you to IC System. I get notified by the US Postal Service of incoming mail. I have all the notices from USPS of the 2 receipts from IC System AFTER I paid, showing a payment receipt and a payment agreement. The USPS has no notices to me from IC System prior to the payment receipt and payment agreement.
01/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28273	Web
The orginal creditor was XXXX XXXX XXXX and because my bill was never the same amount but usage was and I was being overcharged for items I hadn't used I switched my cellphone carrier. I had a bundle also with internet. After getting nowhere with my billing I contacted the FCC who was able to get them to reduce my bill and unlock my equipment. I then began paying my balance owed. I then received a collection notice months later for the initial amount of XXXX ( XX/XX/XXXX ) but I had gotten it down to XXXX ( XX/XX/XXXX ) at that time. I was confused about who to pay at that point, I called and spoke with various people who either claimed not to be able to pull the account information to referring to the person who handled the FCC dispute. She advised she was unable to help because it was now a collections matter. XXXX customer service offered no solutions either but to pay them. The first collection agency XXXX XXXX was notified in writing requesting them to be aware that the balance was incorrect and I was interested in resolving the issue. They never called nor wrote me in the regard they just changed the balance owed to {$250.00}. As of XX/XX/XXXX XXXX XXXX removed the item. It is now currently showing as an item under IC System, however, they have never called nor written me in the regard of resolving the issue. Further, I have no information on this company and nothing is showing on my report by way of an address or number to contact them. I also dont feel safe paying them without written correspondence nor a way of knowing that this will close and resolve the matter. I'm also not confident that if I pay them it will result in the matter being closed nor do I know if the item will be passed on to another company!! Its really awful how these companies just sell your information, never try to resolve the issue even when you reach out to them.The consumers are in a bad position because it takes so much to rectify and on multiple accounts. I appreciate your services!
11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32404	Web	Servicemember
In XXXX XXXX Technician replaced equipment at my home and left the old equipment there, the technician stated Fed X would deliver a paid shipping box I could put it in and send to the XXXX office. No box showed up XXXX auto charged my credit card {$460.00}. When I inquired why I had been billed for the equipment I was told I had to physically bring it to the office, I would receive a receipt and be refunded the {$460.00}. I returned the equipment and was given a receipt but was not refunded the money, I attempted several times to attain the refund over 30 day period without luck, in the end I disputed the charge through my credit card company. They in turn worked with XXXX and ended up reversing the charges, crediting my credit card the {$460.00}. Shortly afterwards I got a call from a collection agency trying to collect the debt. Then I spent the next 2 years dealing with them, they reported the debt to all three credit reporting agencies, then I disputed, the credit agency verified, and it was removed from my credit file. Then another collection agency called to collect the same debt, I explained and they still attempted to collect, sent them a letter requesting they validate the debt, never heard back from them. Now, XXXX, another collection agency, IC sytem is trying to collect, I have spoke to them on the phone and sent letters requesting they validate the debt and provide me the information. They are saying they have no record of my letters and are basically giving me the run around. I told the person on the phone they had bought a bad debt that did n't exist, she told me IC Sytem does not buy debts to collect on, that they only work for the original debtor. I told them I did not believe that because I have had and presently do have XXXX service, have never even been late on a payment, account in good standing. I think if there was a problem I would have heard from XXXX, seen it on my monthly statement, and if not paid my service would have been disconnected.
04/09/2020	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 349XX	Web	Servicemember
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. 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. Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
10/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89113	Web
I sent I C SYSTEM this document certified mail and I C SYSTEM did not send the requested documents asked for in the validation request I mailed. I C SYSTEM sent me a document that was typed out on a plain piece of paper with I C SYSTEM logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe I C SYSTEM. Anyone create anything from a plain piece of paper. I know my rights as a consumer! I C SYSTEM is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for I C SYSTEM has violated FDCPA laws!
03/21/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	KY 40241	Web
I received a phone call XX/XX/XXXX at XXXX ET from an agent named XXXX XXXX from IC System. I informed her that the phone call was in violation of the FDCPA because I sent a letter disputing the validity of the debt to IC System over a month ago and had not been mailed verification of the debt as required before continuing an attempt to collect the debt. I asked to speak to her supervisor. Even after that information was provided to her, she asked if I am able to clear up this debt today. I reiterated that she should not be attempting to collect on this debt, and asked again for a supervisor. She transferred me to XXXX XXXX, who confirmed that IC System had received my dispute letter prior to the this call. I asked her how we proceed from here, because my rights were clearly violated, and she said she would transfer me to her manager. She transferred me to XXXX XXXX in the Consumer Affairs department. XXXX again confirmed on a recorded call that they had received my dispute letter prior to calling me, and told me I could email my complaint to their consumer affairs department, XXXX. I did so that day, and have followed up twice in the two weeks since, and have not received a reply. I also received a settlement offer letter dated XX/XX/XXXX. It is my belief that this letter was sent as a direct response to IC System 's receipt of my dispute letter, since IC System has only been attempting to collect on this debt for a very short period of time and was offering a 70 % settlement after a single collection letter. My wife happened to be home at the time I was talking to XXXX, overheard the conversation, and now thinks I'm in debt and hiding it from her. I now have to explain why I'm getting collection calls, why this debt exists, and reassure her that this is an anomaly. I haven't missed a payment on anything in decades. I simply do not owe this debt, the full amount of the debt for leased XXXX phones has been paid directly to XXXX when I canceled my service.
05/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 128XX	Web
A dr bill submit ted for collections from XXXX , XXXX . I appealed this bill wit h XXXX si nce I do not owe this mone y. XXXX initial response is that I owe the bill, but I have the right to appeal for further reconsideration which I did with XXXX on XXXX XXXX , XXXX . My reconsider was accepted and This bill is now under a reconsideration appeal with XXXX and until it is resolved, all collections must be halted. I notified IC that XXXX has accepted my reconsideration appeal and they are in process of making a determination as to whether I owe this bill. I Notified IC Systems many times about the appeal and asked them to please not file with credit bureau any negative information about this bill, until this bill is resolve d with XXXX as to whether I owe it. ( letter attached, sent in additio nal to all the phone calls ). XXXX XXXX , XXXX I received a response to my many calls via letter continuing to threatening me and disregarding the fact that this bill is in reconsideration appeal wit h XXXX Please note what the letter states ( I have attached a copy ) : " IC Systems sends a weekly electronic file to credit reporting agencies listing debts that are unresolved and unpaid 45 days after IC began collection efforts. '' " Your dispute has been noted and information verifying the debt is attached to this letter ''. Also note that they attached a payment stub for me to pay this bill even though they have full knowledge of the appeal. I consider this letter a threat. This company is deliberately disregarding my appeal information which was sent to them. They are threatening me with credit bureau even though at this point it is unresolved by XXXX as to whether I owe this bill. I called IC on XXXX XXXX to again state that this bill is under Appeal and I was told I would be faxed some information about what actions they will take, which has never been faxed. The bill owed is {$110.00} and I am elderly o n XXXX .
04/05/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63031	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
12/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91423	Web
I wanted to inquire about this debt. I dont understand why it is on my credit report since I have not received anything in the mail prior to seeing this debt from IC System on my Credit Report. It is to my understanding that IC system is required to send written notice prior to inserting themselves on my my Credit Report and wait 30 days from that point before they put it on my Credit Report. Furthermore it appears that theyre attempting to collect on a XXXX XXXX XXXX related debt and I have also never had any XXXX XXXX XXXX related products. If IC systems feels this debt is valid please provide me with the original terms and conditions that state that IC system is allowed to benefit in the form of interest and fees. Simply providing me with monthly statements is not going to be sufficient please note I am asking for validation and verification of the original terms and conditions related to the debt and not just monthly statements. As a result of this alleged debt I was also turned down for a recent line of credit with XXXX XXXX XXXX for {$30000.00} and they specifically referenced the debt being the sole cause. I needed this line of credit for a remodel for my business.. Please do not contact me by telephone please communicate in writing only via USPS mail. In the event that you or anyone reading this complaint do call me I am revoking permission to record my voice or use automated pre-recorded dialing systems. Any calls or communication in connection with this debt from IC System or XXXX I do consider to be an attempt to collect on a debt so please govern yourself accordingly. Debt collection matters and subject to the fair debt collection practices act and The California Rosenthal act. I am also now represented by an attorney and want IC System or XXXX to communicate with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
12/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91364	Web
Collection agency IC System of XXXX XXXX, MN claims in XX/XX/2019 that I owe {$370.00} which they say is overdue for cable service provided by their client XXXXXXXX The account, # XXXX, is for a location in XXXX, NY. I explained to IC System that this account can not be mine, since I live in California, have never been in XXXX, NY and have never had or authorized cable service or any other service in XXXX, NY. I asked IC System if they had a social security number or drivers license number associated with the account and they did not have that information. They stated that they had my name, XXXX XXXX, to which I responded that this is not an uncommon name. I told them this was clearly a case of mistaken identity ; however they would not listen. The larger problem is that IC System is the second collection agency to harass me about this same XXXX account. In XX/XX/2019, XXXX XXXX XXXX of XXXX, TX sent me a collection notice for the same amount and the same cable account number. I called both XXXX XXXX XXXX and XXXX at that time. Neither would cancel their claim. Instead they demanded that I either pay the amount or spend hours of my time in completing their data package, including trips to our police station, while offering me no evidence of why they were billing me other than that they had my name. The fact that XXXX recognized that I have long had a valid cable account with them at our home in California which is fully paid up and has had no late payments ever, did not deter them. XXXX XXXX XXXX then filed notices with the three major credit reporting agencies. I sought the advice of our ID Theft insurance company who helped us get this reversed and ultimately get my credit rating restored. I demand that XXXX and IC System stop harassing me for a case that had been previously resolved in my favor, that they reverse any credit ratings filed against me, and that XXXX and their collection agencies not harass me in the future for debts that are not mine.
07/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
Servicing Department : Please be advised this notice is in regards to recent I.C. System, INC, claims on account # XXXX and regarding my potential claims pursuant to the Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. ( the FDCPA ). I deny any and all liability and financial responsibility for the indebtedness claimed by you. Accordingly, this letter serves as a formal dispute of any balance associated with the abovementioned account and as a demand to discontinue any current and further collection attempts. Furthermore, pursuant of the Fair Collection reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, I demand an immediate expulsion of past or future credit reporting by of any current or future collection efforts, including any derogatory remarks furnished thereto. I further request that you discontinue all collection efforts, unless and until you timely ( 30 days ) provide me with : ( 1 ) evidence that I am the proper party in interest concerning the suspected debt ; ( 2 ) verification of the debt in question, ( 3 ) any and all legally signed bonafide contractual agreement, and ( 4 ) the successive documentation evidencing any assignment or transfer of a debt account to I.C. System, INC. from the original creditor. Furthermore, I request that I.C. System, INC. to discontinue reporting of any derogatory information regarding the abovementioned account to Credit Reporting Agencies. Regardless as to whether these demands are fulfilled or the outcome of this dispute, I hereby exercise my rights to enter the entirety of this letter as a Consumer Statement in XXXX XXXX credit file pursuant to FCRA provisions. Failure to adequately respond to the demands included in this letter, within 30 ( thirty ) days, will render a legally binding presumption that I.C. System, INC., acknowledge I am not the proper Party in interest to the claimed past due amount and any further collection efforts are unlawful. Respectfully yours, XXXX XXXX XXXX XXXX
01/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93560	Web	Older American
To whom it may concern, We have been in an on going dispute with XXXX since XX/XX/XXXX which has resulted in a wrongful collection debt that has affected my fathers XXXX Security Clearance. XXXX has wrongfully sent our account into default despite several of my personal attempts to clear the account based on my cancellation of services request back in XX/XX/XXXX which I personally requested on several more attempts to listen to the call recordings of every person I 've spoken to within the company in attempt to prove my request of cancellation ( " this call may be recorded for monitoring purposes '' ). XXXX has continued to charge us for services well into the XX/XX/XXXX year for services in which we cancelled and have severely failed to provide reasonable definition as to why we were being charged. I have spoken to several XXXX members of " customer service, accounts receivable and collections '' and have received different excuses from each representative. Needless to say, two understood excuses I have received : The first - our account was never cancelled, the second - our account was cancelled but showed a debt for un-returned equipment. I have attached a notice from XXXX showing the start of service and also receipts for " un-returned '' equipment from the UPS Store. I 've asked on numerous occasions to speak to a manager in attempts to resolve the issue and was never able to reach a single one. Each representative " assured '' they showed no reason for debt and each " assured '' they submitted for a reverse of charges. That never happened and I was never contacted to provide proof. We believe we were never given a fair attempt to resolve this before being sent to collections and again, despite SEVERAL attempts. I have the names of XXXX representatives for most attempts to clarify the reason for debt and in attempt to provide proof of my rightful recordings of saying such cancellation was never given. POOR, POOR, Customer Service on XXXX.
11/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 380XX	Web	Servicemember
The original issue was with XXXX We moved and asked for a simple movers package. First the technician went to the old address. Then once he arrived at our correct new address, I elected to go wireless for a one time fee. The agreed upon monthly amount was for about {$120.00}. The first bill after a month or so was for about {$1200.00}. Naturally I called and argued with the representative until it was agreed on that if I pay my $ 125 monthly amount the billing issue would be fixed. The next billing cycle landed me a bill of about {$600.00}! I had to call and complain again until it was agreed upon that if I paid the {$120.00} my service would not be disconnected. The Next billing cycle had arrived along with a bill for around {$300.00}!!! I called AGAIN to complain about their service and the billing debacle, but this time I told the representative to just forget it and to cancel the contract. At this time I also drafted a letter and sent it stating that I wanted to cancel due to a breach of contract on their part by not charging the {$120.00} as agreed upon. The letter was sent to them by certified mail with a return receipt, but I might not be able to find the receipt after all of this time. I also told them that I don't work for them and if they want their equipment, they need to send a technician to pick it up. I never heard anything else so I thought it was over. I did threaten to file a fraud complaint but never did since I thought it was resolved. Then a collection agency started trying to collect on an account that I had cancelled. I keep receiving letters on a regular basis from different agencies with a " deal '' that if I can pay just half or so, it'll be all better. I don't feel that I have to pay anyone for a cancelled contract. And I don't believe that this should be on my credit report at all, I consider this an FDCPA violation and outright fraud. The original letter to XXXX and a copy of the latest collection letter will be uploaded soon.
01/27/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 070XX	Web
I was contacted by I.C. Systems about a year ago, they called my cell phone repeatedly until I picked up. They asked me to confirm my information, to which I asked who they were. All they said was I.C Systems, I said " OK. And who are you? '' They told me they needed me to confirm my address, after multiple attempts I got fed up, and gave in to giving them my address. They told me that I owed them money from a previous doctors bill. I asked them to verify the information they were talking about. They could n't. They just told me that I owed them money from a doctors office. I told them they needed to send me information on this, to which they responded " We sent out a letter yesterday, we need you to make a payment. '' I told them I was n't making a payment to them without any information. They told me the letter was in the mail, to which I replied " ok, when I get the letter in the mail and review it, I 'll call you back. '' They called me again and again, same song and dance, telling me I owed them money and I needed to pay it. I told them I never received any paper work form them. They got very nasty with me and told me that it was sent out and that I needed to make a payment. I told them I would review the paperwork when I received it, and I would call them back. They kept calling, and I did n't pick up. It 's now a year later and I still have not received anything from them in the mail, even after confirming my address with them. This is harassment. They are non-stop calling, have n't sent me any information, they do n't confirm that they are a collection company or that they are collecting a debt and are very nasty. I have no problem paying my debt, but it wo n't be before I have any written information. This is now destroying my credit, because it 's been on there for a year, and I have n't received anything in the mail. I really hope that you can do something about this company because they have tons of bad reviews and do n't seem very reputable.
08/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92626	Web
My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account ( account number being XXXX ). I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
05/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30044	Web	Servicemember
To Whom It May Concern : I.C. SYSTEM, INC with account number XXXX I disputed with the collection agency and they said they don't have record of this account. My right to privacy has been violated. I do not consent to you storing my personal information. I did not give any written consent to furnish anything on my consumer report. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. This is my second request. Please provide me with ALL of the following points of information according to my consumer rights found in 15 usc 1692g. -Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. -The agreement bearing my signature stating that I have agreed to assume the debt -Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations in Georgia has not expired -Complete payment history on this account along with an accounting of all additional charges being assessed -Proof that you are licensed to collect in Georgia ; and -Your license numbers and Registered Agent or Agent of Service. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are 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 bringing this issue before a judge. I intend to take all legal steps available to me if I do not hear back from you.
03/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48103	Web
On XXXX XX/XX/2023 I received a notification from XXXX that a collection item had been placed in my XXXX credit files by I. C. Systems , Inc. in the amount of XXXX XXXX ( XXXX ) dollars. To be clear I have not received a collection notice from I. C. Systems , Inc.. Given the amount, it would appear to be an item that was returned to the alleged original creditor " unable to collect '' because the former collections agent was unlawfully engaging in collections without license in my state. I asked that agency to verify and validate the alleged debt -- they did not. I asked the collections agent to provide me with a copy of the bill that substantiated the alleged amounts owed to the original creditor -- they did not. I asked for the name of their registered agent in my state, their business ID, and their license number with my state 's regulator -- they refused. Now, per the FDCPA I have thirty ( 30 ) days after receiving a collection notice to dispute the alleged collection item. Customarily the collections agent does not place a collection item within credit files until the debt can be verified and validated after notification of dispute is filed by the consumer and/or payment for the alleged amount is submitted before the thirty-day period has lapsed. I have received no collection notice and thus have been unable to exercise my right of notice and opportunity to be heard. As an individual that is employed by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my finances are periodically reviewed and I am required to handle financial issues within close proximity to receiving notice. This makes right of notice crucial to mitigate any concerns, or perceived concerns, surrounding issue of national security. Finally, to mitigate any distractions that may arise from civil issues, we are given the ability to obtain counsel through a third-party as a part of our employment benefits. Given the nature of my employment, financial matters are of utmost concern.
09/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 1. ) IC Systems, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 238XX	Web	Servicemember
Dispute was filed with XXXX and XXXX online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX and XXXX and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX XXXX in collection by XXXX {$100.00} has not responded. IC systems collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
07/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43235	Web
THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : I C SYSTEMS / XXXX XXXX XXXX XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, UnderOHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE I C SYSTEMS.
05/25/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37415	Web
XXXXDEBT VALIDATION LETTER** To Whom it May Concern : This letter is being sent to you in response to me regarding your account # XXXX. 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 XXXXVALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. 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 XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action 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 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, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including threatening calls must cease, moreover credit report deletion. Sincerely, XXXX XXXX
09/03/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	AR 71854	Web
The basis for my dispute I C SYSTEM INC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. I C SYSTEM INCfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX XXXX section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, I C SYSTEM INC '' failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of AR allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C SYSTEM INC, XXXX XXXX XXXX XXXX, XXXX, failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve I C SYSTEM INCis held liable as well for defamation and in the state of AR a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28269	Web
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : I C System. This company opened an account using my personal information with no authorization from me. I C System has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. XXXX sent a response letter providing me with the contact information for the debt collection company in which I have already sent a validation letter. I C System has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I spoke with this company and explained that the devices were returned to the alleged Original Creditor. The Original Creditor was listed on my credit as XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that I C System provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : 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. I have multiple denials from major companies due to this oppression.
03/31/2020	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 30052	Web
XXXX practices financial fraud on its consumers in general and me in particular. 1. While I had cellular service with XXXX they made several attempts to overcharge the monthly bill until I was able to identify the error. The MOST disturbing incident was the incident that caused me to leave XXXX. I purchased a phone from XXXX online for my son and added him to my account. When the phone never arrived, I tried to remove the charge from my XXXX bill unsuccessfully. I finally called the credit card to reverse the charge and which point XXXX added the {$200.00} bill for the device to my bill and tried to convince me that it was a result of a returned payment. This was only 1 of many times, they've tried to add additional money onto the bill. 2. I finally left XXXX and went into a XXXX store to start service only to learn that XXXX locked a device that was a. neither purchased from XXXX nor b. owned by XXXX in an attempt to prevent me from leaving their company. It took hours to get a supervisor to unlock the device. 3. On XX/XX/2019, XXXX ( my personal banking institution ) contacted me to alert me that {$620.00} withdrawals were being attempted by XXXX on both of my checking accounts. Neither of these drafts were authorized by me. 5. On XX/XX/XXXX, my XXXX credit card alerted me that XXXX was trying to make a withdrawal on my credit card for {$620.00}, again a transaction that was not authorized by me. I soon realized that XXXX was making an unauthorized attempt to charge every card I've every used to pay my XXXX bill over the 2 years I was with them. 6. They sent the account with an incorrect amount to a collections agency whom I have no contract with and is now reporting on my credit report. 7. I immediately posted this on a credit repair group on XXXX only to learn that XXXX practices this regularly and has been getting away with this from thousands of its customers who chose to leave their company. This is a major act of Financial FRAUD.
05/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33805	Web
When checking my annual credit report ( for the first time ) I seen 2 collections on my report for services I did not authorize. I filed a complaint with XXXX regarding the following : Report Number : XXXX Date Generated Results : XX/XX/XXXX I C SYSTEM INC Account XXXX Many years ago I had my identity used by a former roommate. After I had moved out of an apartment we were sharing, I found out later, he had put the utilities and cable in my name. How I believe he took my information was we had went to the movies and after the show, I couldn't find my wallet. I thought someone pick-pocketed me, and stole it. I didn't have any credit cards ( I was just out of college ) or even a checking account, so I wasn't concerned at the time. Move forward months later, HIS dog, a golden retriever, was playing with something chewed up, and when I pulled it from her mouth, it was MY wallet. So I confronted my roommate, and he denied ever seeing it and accused ME of misplacing it. I brought up that I had paid for the movies that night the wallet came up missing with money from MY wallet, and how would I be of possession of something we both clearly looked for and alerted the movie manager. Needless to say, I moved and relocated closer to my family here in XXXX. Now that I found that he put the two accounts in my name, and left them in a delinquent status, I am once again being used by my former roommate. I tried to remove both these accounts, and the one listed above is the first one back with a [ denial ] response. Also what amplifies this matter is that the company above, in lieu of using the initial dates as previously reported, they moved the date of negative payment to THIS year. Is that legal? I'm sure if I didn't make an attempt to remove this, the charge would have fallen off soon, because I haven't lived in XXXX XXXX XXXX, Florida since XX/XX/XXXX. What, if anything, can you do to help me with this situation? Please advise. XXXX
12/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10023	Web
I had an XXXX landline phone account which I had closed around XXXX XXXX. In XXXX XXXX, I get a notification ( in the form of a bill ) from XXXX that the same phone account has been reinstated, without my prior knowledge. I file a complaint with XXXX by calling their customer care representative. I am told that I wo n't owe any amount and that it will be taken care of. However, a few months later I got another inflated bill ( without any explanation of the charges on the bill ). I called the XXXX customer care again and they said the same thing that they will take care of the charge. In XXXX XXXX, I receive a letter from XXXX collection agency alleging that I owe XXXX for the above mentioned account. When I called the XXXX customer care representative, he mentioned that XXXX can not do anything at this point as the debt has been sold to the collection agency. Hence, I disputed the collection claim in writing with the collection agency saying that I do not owe this amount and I will need detailed documentation validating this claim. I do not hear from the collection agency again. In XXXX XXXX, I get a phone call from another collection agency named XXXX mentioning that I owe the alleged debt amount and I should pay it right away on phone or else it will be sent to the credit bureaus. I told them that I am disputing this alleged debt amount and that I should be sent detailed documentation validating the debt amount. They called me again threatening the same thing and I reiterated to send documentation for this debt. There was no further communication from them, either in writing or on phone. Now in XXXX XXXX, I see that there is a delinquent entry in my credit report from another collection agency called IC System. I have never heard of IC System before and have never received any communication from them. My credit score has suffered because of this entry and I fear that I may not be entitled to a loan or at a better interest rate.
08/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 42701	Web
In XX/XX/2021 a collection account was reported on my credit report. I.C. System Inc has harassed me on several occasions in regards to collect a debt in the amount of {$680.00} which is a violation of the FDCPA 15 USC 1692d and FDCPA 15 USC 1692b ( 3 ) due to contacting me more than once. I have NEVER given I.C. System Inc DIRECT CONSENT as a consumer, in which they can not communicate with me the consumer in connection with the collection of ANY debt which is a violation of the FDCPA 15 USC 1692c ( a ). I have sent two certified dispute letters to XXXX to validate this debt and never received the correct five documentations that constitutes I owe this debt which is a violation of the FDCPA 15 USC 1692g. I sent the first letter on XX/XX/2021 and the second letter on XX/XX/2021. The investigation came back as verified which is a violation of the FCRA 15 USC 1681a ( e ) because the proper investigation was not completed that consist of the consumers ( myself ) character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associations which they dont have my consent to communicate with third parties as stated in the FDCPA 15 USC 1692c ( b ). I.C. System Inc stated in the letter that I received that their office has reported this debt to the credit reporting agencies. This is an alleged debt that I do not owe, and by them reporting it to the credit reporting agencies it is a violation of FDCPA 15 USC 1692e2 ( A ) and has tremendously, negatively impacted my credit report. I.C. System Inc also violated FDCPA 15 USC 1692c ( a ) ( 1 ) by contacting me at an inconvenient time as I have been making funeral arrangements for the death of my uncle. Due to violations that I.C. System Inc has committed, this account needs to be deleted from the credit reporting agencies and by law in reference to the FDCPA 15 USC 1692k I need to be compensated per violation for damages.
08/26/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CT 06516	Web
On XXXX/XXXX/2015 I contact my bank and XXXX and there was no charge to my credit card except the amount of {$1.00}. I then asked XXXX what 's going on again I paid you took my credit card why is my account still not working saying I owe you money. The lady named XXXX said you are in collections again. I said I called the icsystems and I am not in there. She said you have to call them again ok so I did now all of a sudden with her on the phone there was a case in ICsystems.com with a case number of XXXX. She said that case is no longer with us I said how come I never received a letter from you. She said again she could not consult anything with me about XXXX. So not XXXX from XXXX resolution department said that I have to call this number XXXX I said who is this this is the collections she said. So I called it and it was XXXX asking me to pay another {$190.00}. I said I just paid you this through my card yesterday on XXXX/XXXX/2015 I am not paying you again. XXXX said it looks like the transaction is not going through. Its not going through although it took my credit card. I said if I get over billed what are you going to do. XXXX said we will take care of it. Really like you have taken care of everything so far I am beginning to see a major scam here and I have contacted the FTC.GOV I am also contacting every agency within the government for credit abuse this could also be a possible discrimination case against XXXX XXXX Please help me. I have all snap shots proof and documentations and to be honest no federal agency is helping me so it seems so far at all I get harassed daily. This is suppose to be a constitution equal opportunity state of XXXX am seeking justice in this equal opportunity state on ConnecticutIn regards to my family members that serviced this state representative XXXX XXXX was my uncle who served at state of Connecticut Representative. Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXXTel # XXXX
11/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27560	Web	Servicemember
I relocated from XXXX XXXXXXXX XXXX in XXXX. I have been living in XXXXXXXX XXXX since XX/XX/XXXX. When I left XXXX XXXX, XXXX I closed out my account with XXXX and returned their equipment before l left. In XX/XX/XXXX hurricane XXXX happened and prevented any further charges due to long term power outages. In XXXX of XXXX I saw a derogatory account from XXXX for {$320.00}, that said it was reported in XXXX of XXXX, appear on my credit report. I immediately disputed the bill through XXXX XXXX, but the decision came back that the information was accurate. I disputed it again through XXXX XXXX and stated the information about hurricane XXXX, but it came back again as accurate information. Then I disputed the bill through XXXX credit bureau twice and they noted that the bill meets the Fair Credit Reporting Act guidelines and that I would need to contact XXXX. On XX/XX/XXXX I called XXXX. I was informed that the bill was for services from XX/XX/XXXX to XX/XX/XXXX. I stated that I live in XXXX XXXX during that time frame, and that I could not have made those charges. They asked if I left anyone behind and I said no. We picked my son up from XXXX XXXX, in XX/XX/XXXX due to illness. When we left XXXX XXXX in XX/XX/XXXX the power was still off since XX/XX/XXXX. No one was in the house during the dates of service. However, they continue to report the inaccurate charges. I believe XXXX has generated these charges fraudulently and are using predatory tactics to remain on my credit report. In addition, I have been denied credit from XXXX XXXX for an additional credit card with rewards due to the inaccurate information reported on my credit report by XXXX. I wish to have the information removed from my report ; and have XXXX report to XXXX that they reported inaccurate information on my credit report that caused my credit score to go down. In addition, I would like for them to pay damages in the amount of credit loss due to their negligence.
04/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20019	Web
On XX/XX/2022, I The consumer notified XXXX now part of XXXX of the continue billing error on account # XXXX that was not updated and got a case # for XXXX, XXXX now part of XXXX representative told I the consumer that it was still a balance due on the account of {$610.00} that I the consumer owe, I notified the representative that I sent Tender of payment pursuant to UCC 3-603 and Endorsed the Instrument WITHOUT RECOURSE pursuant to UCC 3-415 ( b ) through the mail on XX/XX/2022 and it was received on XX/XX/2022 by a XXXX XXXX, at the time the payment was {$510.00}, XXXX now part of XXXX never denied or returned my Instrument therefore accepting the Instrument and still claiming I the Consumer owe this alleged debt that haven't been validated nor verified pursuant to 15 USC 1692g- Validation of debt which is a violation of the ( FDCPA ) federal Law, XXXX now part of XXXX is in violation of UCC 3-309 ENFORCEMENT OF LOST, DESTROYED, OR STOLEN INSTRUMENT as well XXXX I the consumer ask for the supervisor and the representative transferred me over to a ( XXXX XXXX, ID XXXX ) operating out of I.C. System Inc. I thought he was a supervisor, turned out to be a DEBT COLLECTOR which is False or Misleading representation pursuant to title 15 USC 1692e ( 10 ) ( 11 ) -The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer, I the consumer never got FULL DISCLOSER of ANY of these terms, XXXX now part of XXXX and I.C. System Inc. are committing IDENTITY THEFT and FRAUD and is in violation of UNFAIR PRACTICES as well pursuant to title 15 USC 1692f. I the Consumer/Beneficiary demand account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section.
06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KY 401XX	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( IC SYSTEM ) for committing identity theft. I have never given ( IC SYSTEM ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from ( IC SYSTEM ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( IC SYSTEM ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( IC SYSTEM ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( IC SYSTEM ) continues its collection efforts, I will file for litigation for actual damages caused and ( IC SYSTEM ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
10/05/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NJ 080XX	Web	Servicemember
I have a medical debt from my new born child from XXXX XXXX XXXX ( XXXX ) when she was born on XXXX XXXX 2015. I was covered under my father 's health coverage but my daughter was not when she arrived. I applied for her health coverage under the affordable care act ( ACA ) under the state of New Jersey on XXXX XXXX of 2015 and received a confirmation number but as of this day I still do n't have medical coverage for my daughter. I contacted XXXX XXXX who is my daughter 's primary doctor of the fact and could they put me on a payment plan until coverage begins, they verbally said they could and was also informed that her initial debt from the hospital would get paid when her coverage began. Contrary to what I was told by their office staff, it went to IC System collections. Regarding getting coverage in my state, I received a confirmation number when initially applying and have been following up regularly and had to submit pay statements from my part time employment for the process to go further. Like I said in the aforementioned, my daughter is still not covered medically and I just received a rejection letter regarding my daughters application due to the person processing her application did n't see an address for my place of employment. I think this wait for her coverage is way beyond what was envisioned when the XXXX was instituted. I just wanted to bring awareness to other federal and state agencies and know of the dilemma I am encountering and the inefficient processing of my over 6 months old application. I am hoping this complaint, can also inform future care givers of the problems faced with applying for medical coverage within each state and navigating the bureaucratic maze. I am not ruling out seeking the counsel of a lawyer to address the enrollment delay and collection tactics. I question the legality of collection tactics while XXXX applications are still being processed. Thanks for looking into my complaint.
01/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89101	Web
I requested XXXX XXXX to be canceled XX/XX/XXXX. I had {$0.00} balance on my account. I moved and kept equipment to possibly reactivate service at new address. Apartment management said no equipment can be attached to the building. It took several months to get the response from apartment management. I was contacted by XXXX XXXX XXXX by mail and phone. We discussed the amount owed and that it is for the equipment I had not returned. I returned all equipment XX/XX/XXXX. I still received statements through USPS requesting I pay the account balance for the equipment. I contacted XXXX several times telling them I had returned all eequipment.I emailed copies of the returned equipment shipment invoice. The charge still wasn't removed from my account. I spoke to several customer service agents and I was told by one agent that the equipment has been received but not entered into my account file. The agent assured me that the account would be updated and the balance would be removed. I received another phone call from XXXX again requesting me to pay the amount due and that it is now because the service was not deactivated as I requested by phone on XX/XX/XXXX. I no longer had service and also the equipment was packaged and still in moving boxes. The problem is now after XXXX received the equipment, the amount said due was now for service apparently not deactivated as I requested on XX/XX/XXXX. XXXX can access the account to see that the service was not being used. I would not move to a new address without deactivating service knowing I would continue being charged monthly. Please if someone can help resolve this incorrect information as it has affected my credit score significantly. The account was supposed to be closed and I I returned the equipment as requested and the amount due was supposed to be removed and the balance should be {$0.00}. Please respond with any help and or advice regarding this dispute. Thank you, XXXX XXXX
07/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90043	Web
Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called IC System, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score. I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted IC System to investigate. However, they have been unable to provide me with sufficient information to validate the debt. According to XXXX XXXX, the fraudulent charge first appeared on XXXX and is supposedly collections for a direct tv account. I have never had XXXX XXXX and, during the time period in question ( since 2018 ), I have been living in a relative 's home and would not and could not have signed an agreement for XXXX XXXX. This is fraudulent and IC System knows it. I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report. I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible. As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities. Thank you for your attention to this serious matter. Sincerely, XXXX XXXX XXXX
12/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 284XX	Web	Older American
Approximately 2 years ago I had changed my cellular phone service to XXXX XXXX and I had to purchase a new phone to utilize their service. I purchased a XXXX XXXX XXXX phone for {$750.00}, the most I have ever paid for a phone. Within a few weeks the phone had a problem with charging, there was an alert given when I would plug in the charging cord. It would say that there was moisture in the charging port. The phone had never ever been in the presence of any water. I had contacted XXXX XXXX and they sent me a new phone of the same type and they had me send the defective phone back to them. Within a short time I was contacted by XXXX XXXX saying that I had caused corrosion in the phone and that the problem was my fault. After much communication with them and many other agencies including XXXX who admitted that this was a flaw in their phone but they were working on it and I would have to deal with my provider, they would not do anything either. Meanwhile the phone was under warrantee and XXXX had told me that the phone could be submerged in water for an hour, taken out and let dry, and it would be fine, but I had never had the phone in any direct contact with any water. Subsequently XXXX XXXX shut off my service, locked out the phone and my phone number, and I went back to XXXX, got another brand new phone and number, and recently I had gotten an alert on my XXXX XXXX that there was a collection action on my credit report. I had no contact regarding this and no opportunity to defend myself. Early on in this matter I had tried to find some help through some consumer agency but there was nothing and no way to deal with this issue. I am a semi-disabled senior living on my social security and small pension, and this was fraud on the part of XXXX XXXX. I don't know if there is anything that can be done at this point but it is criminal that a company can act in this way and consciously take advantage of people like myself..
11/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28054	Web
I never had a contract with this debt collector for any debt. I have asked ( XX/XX/XXXX ) this creditor to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. This request was never fulfilled. My second request for this verification was XX/XX/XXXX. It was never fulfilled. After disputing this account with the credit bureaus and it was deleted from my XXXX and XXXX report but XXXX failed to perform an investigation and delete the disputed information. According to the FCRA, If a bureau finds that information is inaccurate or incomplete, it must correct the information and notify the other credit reporting agencies that received the information. This account was last reported on my credit report XX/XX/XXXX. I submitted this statement to the XXXX and IC Systems responded as such : The information in this complaint is substantially the same as disputes previously received through a consumer reporting agency. IC has already investigated and replied to the credit reporting agencies ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Nevertheless, IC has referred to the creditor and/or its records for additional information to respond to this complaint. The results will be sent directly to the consumer within 30 days. I also submitted a XXXX complaint to XXXX XXXX XXXX and it responded as such : As none of the client contact information provided links to any XXXX records we are unable to look into this matter further. Please note that XXXX does not have any control over the credit bureaus and what they or collection agencies report to, or about individuals. If this is related to a XXXX record we would need the client information as it appears on the account. With this information it is apparent that this account can not be proven to be mine and IC System would have found this out if it had actually investigated my prior complaints.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordinglyXXXX XXXX XXXX XXXX
09/11/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92129	Web
I.c. System, Inc Claims to now own a reported debt for cable T. V. I've never had cable T. V. I did have internet account in which I requested To Close Account for 4 months due to the wires being faulty and landlord / management refused to pay. Owner just passed from XXXX and HOA claims no liability. My kids were in on line school, I am XXXX from XXXX and XXXX XXXX. We had to move. Began in XX/XX/XXXX till XX/XX/XXXX. Equipment had been returned, technicians confirmed and verified no service on interior lines since XX/XX/XXXX. Called repeatedly threatening me to block all source of internet companies and I would be arrested because my kids could not go to school. Their name is XXXX XXXX XXXX XXXX Every so often apologizing and clearing the erroneous amount due after they failed to close account. A month later a new person would call and the entire thing would start again. Did not hear from them after I was told no long amount in dispute. Over 1 year. Suddenly this appears and ic begins to harass me as if I am unable to know what I owe and how to manage. Suggesting my 'disability has handicapped my brain, maybe someone else should pay debts do I do not cause more damage '. All I can say is ignorant! Please help me to prevent companies from this unprofessional behavior. After explaining they could just act rational and not negatively effect my disorder with needless stress they began to capitalize on that exact point Over and over again. I hope they kept the recorded calls to be heard. Shameful! If you would please help with a written guideline for me to resolve successfully. Thank you. The Mark on my credit effects my kids college loans. And all 4 kids want to go. # 2 is applying now. Hence my noticing prior to another student loan. I do not have any late payments and several accounts are not reported at all. Happy day to you. XXXX XXXX XXXX XXXX have never received any document from the I.c. System, Inc.
08/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75056	Web
Subject : Request for Debt Validation - Urgent Action Required Hello, I have no record or knowledge of any dealings with your company. Accordingly, I am formally requesting a complete validation of this alleged debt, as granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide the following within 30 days from the date of this letter : XXXX. Complete Validation : Kindly furnish original documentation including the original creditor 's details, the account number, the bill of sale, and relevant supporting documents. XXXX. Proof of Consent : Verify your legal right to collect by providing proof of consent to furnish this information and the original contract. I would also like evidence of how you guys obtained my address. If you are unable to validate the alleged debt with the requested documentation above, I demand you cease collections and communication with me. in accordance with 15 U.S. Code 1681s-2. ( 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. Failure to comply may be considered a violation of FCRA laws, Negligent enablement of Identity fraud, and Defamation. Please consider this letter a formal notice that if my rights are not respected, I will have no choice but to pursue legal action to enforce them. I trust that this matter will be resolved promptly and appropriately.
10/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20852	Web
Dear IC System Team, I am reaching out to file an urgent complaint regarding an unauthorized and fraudulent collection account reported by IC System on behalf of XXXX XXXX XXXX, which has appeared on my credit report. This account is a direct result of identity theft and is causing significant distress to my financial standing. I want to emphasize that I have never conducted any business or held an account with XXXX XXXX XXXX at the address associated with this collection account. This discrepancy indicates a clear case of identity theft, which has unfairly impacted my credit history and overall financial well-being. The presence of this unauthorized collection account has created an erroneous and unjust impact on my credit report. I am formally requesting the immediate removal of this account from my credit report. Additionally, I insist that all collection activity related to this account by IC System cease immediately. It is evident that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ) due to its fraudulent nature, and I firmly believe it infringes upon my rights as a consumer. I demand prompt action to rectify this situation and to restore the accuracy and integrity of my credit report. Enclosed with this complaint, you will find supporting documentation that substantiates the claim of identity theft and the erroneous reporting of this collection account by IC System. I urgently seek your intervention to investigate this matter and ensure the immediate removal of this fraudulent account from my credit report. Additionally, I request your assistance in halting all collection activities associated with this account. Please do not hesitate to contact me should you require further information or supporting documentation. Thank you for your immediate attention to this matter. I eagerly await your prompt resolution and assistance in addressing this issue. Sincerely,
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web
I called IC Systems collection agency at XXXX on XX/XX/2020 around XXXX EST in regards to a collection debt that just appeared on my XXXX report. I spoke with a rep name XXXX who provided a reference number XXXX by just looking up my name, which is a common name ; who then transferred me to another rep and advised her name was XXXX XXXX. Ms. XXXX proceeded to ask for my last four of my SSN which I was not comfortable providing her ; so I gave her my full name and date of birth and my current address. She stated she did not have the address I provided on the file she was looking at and I advised her per the FDCPA I have the right to receive validation of this fraudulent debt they are trying to collect on and to please send me a copy of the following : An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account so I have proof of the amount ; Documentation showing I agreed to pay this debt ; The agreement that grants IC Systems authority to collect on this alleged debt and a copy of their state license, including license number. Ms. XXXX stated they are not providing me with any documentation. I advised her I was never notified of this collection and that this debt was not accurate and not mines. If they are unable to validate this debt they will need to remove this collection from my report. Today XX/XX/2020 IC Systems decides to report the same collection information on my XXXX report under : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN - In which this address information is the same exact address listed for IC Systems. I have provided documentation showing IC Systems being deleted from my XXXX report as they could not validate this fraudulent debt ; proof showing this XXXX XXXXXXXX XXXX belongs to IC Systems and documentation showing them adding the same exact collect on my XXXX report under " XXXX XXXX. ''
12/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33173	Web
I C SYSTEM INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you I C SYSTEM INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : I C SYSTEM INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
03/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX I C System To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between I C System and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely Name
01/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 700XX	Web
Please assist, this has really been a problem that has been out of hand and I have also went through you in XX/XX/XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to XXXX XXXX XXXX XXXX and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
05/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32713	Web
On XX/XX/2021 I decided to make the switch from XXXX to XXXX as they seem to have the better cell service. The deal was to get two new lines including phones which was supposed to be as follows : XXXX XXXX XXXX : Cost : {$490.00} via {$16.00} monthly payments over 30 months Promotion : monthly bill credit of {$16.00} over 30 months making this device free XXXX XXXX XXXX : Cost : {$740.00} via {$24.00} monthly payments over 30 months Promotion : monthly bill credit of {$19.00} over 30 months which would have cost me {$5.00} per month for a total of {$150.00} XXXX ended up somehow processing the order incorrectly and did not add the XXXX XXXX monthly payment for the XXXX XXXX to my monthly bill. This is turn made it look like I was intentionally not making my device payments. I was unaware of this, and XXXX decided to charge me the full amount of the phone ( {$740.00} ) because I was " not making monthly payments on my device '' unbeknownst to me. I attempted to resolve this with XXXX on several occasions via phone calls and they told me even though it was their mistake, I waited too long to get this resolved. I should never have had to deal with this in the first place, but to admit you made an error and still not correct it is unacceptable. I have never had any late payments or collections on my credit ( for 20 years now ) and now this has affected my credit and I overpaid ( {$650.00} instead of the {$150.00} ) as I just wanted to settle this to avoid it being on my credit report. After making my payment, XXXX reported me to the credit bureau for " paying a collection for less than the amount owed ''. This is absolutely absurd, and I am hoping this will be corrected through this complaint. I do not know what else to do. They can look at my contract and then take a look at how it was processed... incorrectly. This is an error on XXXX, not me and I should not be penalized!
07/07/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32304	Web
I just recently reviewed my credit report and it generated this debt collector as someone that I owed money to. I have never done business with or signed a contract with this company. I found that several aspects of the report are actually inaccurate.According to the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to request that this company disclose all of the documents that they have retained in my credit file pertaining to the items listed below that they have under my social security number. Please do not allow them respond by saying that these accounts have been verified without sending me the information used to verify the accounts. This information is inaccurate and need to be investigated. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. Please provide me with the below mention listed things : The amount I.C. Systems claim I owe Explain and show me how they have computed the amount Send me copies of any documents that prove I agreed to pay the alleged amount Identify the original creditor Confirm that the account has not crossed the SOL period Prove that youre a licensed debt collector Show me your license number and registered agent Show that you are allowed to collect within my state Once again, this by law this creditor must have ALL verification documents already in their possession upon receipt of this letter, otherwise these in absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you under my Social Security number. I would like to inform you that in case your agency reported invalidated account information to any of the 3 main Credit Bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws.
03/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	OH 43147	Web
I C SYSTEMS COLLECTIONS # XXXXI believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from MEDICAL-XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, 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. I will await your reply with above requested proof. Upon receiving it, I will respond by certified Mail.
05/30/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 910XX	Web
IC System called me regarding my XXXX account which was passed due.During the conversation they told me that XXXX was offering an end of the month settlement in the amount of $ XXXX.I was told that it would only be offered until the end of the month.I happened to receive a check that week so I called to make the payment which was a check by phone.I was told I was paid in full.This happened on XXXX XXXXOn XX/XX/XXXX I went to a XXXX retail store located in XXXX and the Sales Representative told me my account was still showing unpaid.He gave me a number to call.They were closed because it was XXXX XXXX weekend.I called both XXXX and IC Systems on Tuesday XX/XX/XXXX in the morning to clear things up.IC Systems once again confirmed I was paid in full.The person I spoke with told me he would send a confirmation email.When I called XXXX they transferred me to the Recovery Department.I spoke to a girl named XXXX.She said that she would go in the computer and put a note on my account that I was paid in full.That was all she could do.I returned to the XXXX store and met with XXXX who told me my phone still indicated unpaid.He called XXXX and explained the situation and eventually got transferred to the Recovery Department.He gave the phone to me because the woman wanted to speak to me.She was very abrasive and told me that I needed to pay the balance that I still owed or my phone would remain locked.I could not believe that they did not tell me this earlier when I called.Instead XXXX chose to humiliate me at the retail store. IC Systems does work hand in hand with XXXX and they even tell you thank you for being a valued XXXX customer when they take your payment.The entire situation was falsely presented and very misleading because they should not tell you that you will be paid in full if you are not and XXXX offered this end of the month special to me.I did not ask for it.
09/08/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
I moved back to the US after living XXXX for 4 years XXXX, and without US health insurance yet. But on XX/XX/XXXX, I had a necessary appointment with my XXXX XXXX XXXX and received a list of prices that would have equated to a XXXX XXXX dollars, but when the bill came in it was for {$3000.00}. On XX/XX/XXXX, I talked to the office Supervisor, XXXX XXXX, and asked how that was possible when nothing on the pricing they gave me even equated to {$1000.00}, and all I had was an initial consult and XXXX XXXX. The Supervisor apologized and informed me that I had been given the XXXX prices, and their prices had increased significantly in the new year, but she immediately contacted someone named XXXX XXXX and cc 'd me asking if they would please honor the pricing I had been quoted. I never heard back from XXXX, and on XX/XX/XXXX I was contacted by billing informing me that I was being sent to collections. I explained the situation, and they told me to email everything I had just said to XXXX to avoid being sent to collections and to have someone contact me about my case. I did this immediately after hanging up the phone, using the original email sent by the medical office 's Supervisor saying they gave me the wrong pricing ; replying all in addition to adding the customer service email. Again, I heard nothing back, and on XX/XX/XXXX, I went back to the office and once again spoke with the office Supervisor. She apologized and assured me that she was going to take care of it. In XXXX, I received a call from a collections agency stating that they had my account, again I explained the situation to them, and offered to send them proof. She assured me that that would not be necessary, and she would contact XXXX about the case. Today, I received an account validation letter from IC System debt collectors dated XX/XX/XXXX simply stating that I need to pay them the money.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27215	Web
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 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 and to promptly notify the furnisher ( s ) of that information. 1. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 2. Account Number : XXXX Please remove it from my credit report. 3. Account Number : XXXX Please remove it from my credit report. 4. Account Number : XXXX Please remove it from my credit report. 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Account Number : XXXX Please remove it from my credit report. 8. Identity Theft Account Number : XXXX Please remove it from my credit report. 9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.
08/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30033	Web	Older American
Filing an Official Complaint Against I.C. System, Inc, account # XXXX I would like to file this complaint against due to the following : 1. XXXX, I established an account with XXXX XXXX company. I received an Agreement with no beginning or expiration date after I was told the contract would expire one year after the date of the agreement. 2. I met the verbal agreement. . 4. At the end of the one year, I returned all equipment at the local XXXX XXXX Office and asked the representative to note that I had returned the equipment and to close this account ; yet I was told the account could not be closed because it was a business account. 5. Since XXXX continued to bill me, I wrote two letters to XXXX and asked that they cease billing me and to close the account. I was told by XXXX they received the letters but unless I sign an early termination agreement, the letters were irrelevant and the account would remain open. The early termination document was sent to me via email and was rescinded promptly when I refused to sign it. 6. The local XXXX XXXX company, Executive Customer Relations Specialist, at XXXX, responded that I had a fee for early termination fee in the amount of {$790.00}. I disputed this balance as explained above. 8. XX/XX/XXXX, nearly three years later, XXXX has forwarded this account to a collection agency ( IC System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ) which I find to be a defamation of my character and fraudulent in an attempt to collect an erroneously alleged debt. In summary, XXXX, I was informed this account has been settled.I ask that you intervene on my behalf. As a citizen for nearly seventy years, I take my financial responsibility seriously to ensure I meet my obligations. The business practice of XXXX described above is unethical, unfair, and egregious. I ask your assistance in resolving this matter and clearing my reputation.
01/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11735	Web	Older American, Servicemember
I recently received a bill from the below listed Credit collection agency. When I inquired who the retailer was, they failed to give me relative information pertaining to address, phone numbers, or a copy of the initial purchase request. Although they supplied the name of the company and their own account number, they failed to supply a purchase order, address of same, nor a phone number. The collection agency is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Department of Consumer Affairs License # XXXX and XXXX ) In substance, it states that I have a delinquent account, submitted to them from the following retailer : XXXX XXXX XXXX ( Account No. XXXX ) ( I.C. systems ref # XXXX ) ( UNKNOWN FORWARDING ADDRESS OR PHONE. ) I am a XXXX, and I am currently on Social Security XXXX and receive a XXXX pension from my ex-employer. Occasionally, XXXX supply companies call me to pitch XXXX supplies. My understanding, according to their statements, that all fees would be covered by XXXX, at no cost to me. They never told me that their would be a fee for this service, and I don't recall signing an agreements for said products. The collection service also stated that they will attempt to mail me a retailer 's copy of an invoice, and that I shouldn't, worry because I still had thirty ( 30 ) days to respond, to their notice. I felt that I should submit this report in any event. In the event they state contacting me via phone line, then they should be investigate for calling a registered DO NOT CALL PHONE. There are three addresses in my county that are the same, and the only thing that distinguishes one from the other is North, East, West, and South. My family and I live at XXXX XXXX XXXX XXXX XXXX. Not XXXX XXXX or XXXX XXXX XXXX XXXX. Thank you for your time and attention to this matter. XXXX XXXX XXXX XXXX
06/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32835	Web
Back in XXXX, I had an account for cable/internet/phone service with XXXX now known as XXXX. I cancelled the service and switched to another provider. My family and I bought a house and moved in XXXX. Ironically, when we moved, my husband opened an account with XXXX. Unbeknownst to me, apparently, I had an outstanding balance of {$310.00} dating back to XXXX. I received no notification of the outstanding balance. The XXXX sent my account to a collection agency, IC System, Inc. who never sent me any correspondence. Instead, they just reported it to the credit bureaus. Once it showed up on my credit report, I proceeded to call IC System, Inc. to dispute it. They said it was a XXXX account so I called XXXX and that is when I learned about the outstanding balance. The representative at Spectrum said I could make the payment with her over the phone which I did - I gave her my credit card number. She advised that they would contact the collection agency to have them update their records to show it as being paid. Over the past 6 weeks, I have called IC System, Inc. and they keep telling me that they are waiting for Spectrum to update the file on their end. I call Spectrum and they tell me they have notified IC System, Inc on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In addition, on XX/XX/XXXX, I faxed IC System, Inc a printout from my credit card account showing the balance was paid by credit card on XX/XX/XXXX and it was charged to my card on XX/XX/XXXX. To add insult to injury, I got home today, XX/XX/XXXX, and there is a collection notice from them. When I called, they confirmed they had my fax showing the payment made!! But they still insist on sending collection notices despite receive a cease and desist all collection efforts from XXXX, the original creditor. I'm stuck in the middle and can not get this resolved.
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33069	Web
XXXX is FRAUDULANTLY REPORTING a delinquent account that they have full knowledge was fraudulantly created by their own sales representative seeking a commission. Some 2 years ago, a XXXX installer knocked on my door to install XXXX cable service that XXXX ) I never ordered, 2 ) had no knowledge of and 3 ) I DECLINED ANY INSTALLATION OF OR SERVICE. This all took place after I moved to my current residence at XXXX XXXX XXXX XXXX, XXXX XXXX Florida, where I have NEVER HAD XXXX EQUIPMENT OR SERVICE OF ANY KIND ( including without limitation internet, cable or any other service from XXXX XXXX. The installer determined that some XXXX SALES REP created the fake account to earn a commission. The XXXX installer told me I needed to call XXXX to correct, which I did on at least 5 occasions. Rather than following the paperwork to determine WHO AT XXXX CREATED THE FRAUDULANT ACCOUNT TO BEGIN WITH, XXXX continued to arrogantly make it my problem. XXXX HAS NEVER PROVIDED EVEN A DAYS WORTH OR SERVICE OF ANY KIND TO ME AT THIS HOME ( we have and continue to use XXXX XXXX from day 1 ). XXXX and their collection agenecies have been notified of the FRAUD ad nauseum, but continue to take no responsibility to fix the problem ( which could easily be fixed by them merely tracking their sale rep that created the fake account to begin with ). They are a company that is too big to care, and instead WRONGFULLY AND FRAUDULANTLY made the intentional bad faith decision to report this fake account to my credit, causing significant actual damages to me and my finances. This is wrongful, intentional and deserving of punitive damages - they need to be punished for these careless, lazy and completely wrongful bad-faith actions. XXXX has been notified of the above NUMEROUS TIMES on RECORDED LINES, which I hereby request access to under the Freedom of Information Act.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28105	Web
I Reached out to IC systems IXXXX, who is a debt collector for XXXX XXXX or XXXX on XX/XX/23. I notified them that they put a collection on my credit for XXXX. They informed me that the account was in someone else 's name that's close to my name but it is not my name. I informed them that their information was inaccurate and I have never had an account with spectrum and they told me to reach out to spectrum. I reached out to spectrum as well on XX/XX/23 and they told me that a family member was using my information. I asked what information and they said they took the first XXXX letters of your name and opened an account but they didn't have any other information. I spoke with a spectrum supervisor on XX/XX/23 and she informed me that the account they're referring to does not have any of my information attached to it ( SSN number, DOB, Full name or Address ). I also reached out to XXXX and filed a dispute and they sent me an email and said they deemed the information to be accurate. I called and asked a representative what information that they linked to me to make it accurate and he said that I needed to reach back out to the creditor who reported the information. It seems that they are all pointing the finger to one another but no-one can prove that an account was opened in my full name using any of my personal information. I feel like I'm being targeted and railroaded just because a company is trying to blame someone because they can't find the real person responsible for this debt. I've spoke to several representatives from IC systems INC since XX/XX/23 and no information that they have given me links this account to me so I don't know how its on my credit. They don't have my real name, email address, DOB, address, they don't have anything but 3 letters of my first name and last name. This is not right and not ethical and against the law!
06/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27407	Web
This complaint is regarding the debt in collection in the amount of {$94.00} being reported by IC System opened XX/XX/2019, being reported on my XXXX credit report. This amount due was when I had an account with XXXX XXXX XXXX, prior to it being taken over by XXXX XXXX. When I had my account with XXXX XXXX XXXX, I resided at XXXX XXXX XXXX XXXX. When I moved from that location, I turned in all of my cable boxes and equipment and asked what any remaining balance I had due, which at that time was {$94.00}. That amount was paid at that time in person. This was also either at or very close to the time XXXX XXXX XXXX was making the transition from XXXX XXXX XXXX to XXXX. When I moved to my new address, I did not have services put in my name. However, I did receive one remaining piece of mail at my new address from XXXX XXXX XXXX, stating I owed {$94.00}, at which time I called XXXX XXXX XXXX and was told, I did not owe that amount as that bill generated close to the time I turned in my boxes and paid the {$94.00} in cash and that it was an overlap. I had a {$0.00} balance. I received no subsequent mailings or billing statements from XXXX XXXX XXXX. In reviewing my credit report, I discovered the account in collection with IC Systems for the {$94.00} bill from XXXX XXXX XXXX now XXXX. The first time I called IC Systems was on Tuesday, XX/XX/2019, at which time, they confirmed they still had the incorrect address for me on file which is why I never received anything in the mail from them. Otherwise, I would have taken care and disputed this sooner. I have also disputed this through XXXX and it is my understanding it has been removed from my credit. I am likewise, requesting it is deleted from any and all other credit reporting bureaus such as XXXX and also XXXX and no additional collection or judgement or public record activity be noted.
01/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web	Servicemember
On XX/XX/XXXX I received an alert about a collection account reported on my credit history from I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$65.00}, Date Updated:XXXX Amount : {$65.00} Original Creditor : XXXX XXXX XXXX Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I looked up the debt collectors ' information and I gave them a call. They informed me about an electrical bill that is past due to XXXX XXXX, from an address that I never resided at. I informed them that I don't know anything about this bill, never received any debt demanding letters nor any bills from XXXX XXXX or from IC Systems Collections and I asked them to remove their false report from my Credit History. Immediately I called XXXX XXXX, I was worried about my personnel information being compromised. XXXX XXXX was not able to find an account in my name either. I informed IC SYSTEMS Collections about XXXX XXXX not being able to find an account under my name. They said that they have to validate the debt with their client. In this case, I asked IC SYSTEMS COLLECTIONS to remove any collection records from my Credit Report, since they are not able to validate the debt. AT the moment, I am in process of buying a house. The IC Systems Collections refuses to remove their collection record from my Credit Report. IC SYSTEMS COLLECTIONS committed an unfair and illegal act which violates my rights under Fair Debt Collection Practices Act, 808 and 809. I asked for your assistance in resolving this matter. Thank You
12/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01605	Web
A few years ago XX/XX/XXXX, ( unfortunately I ca n't remember the date ), I ordered XXXX. The service tech came, installed the product. Within a matter of days XXXX XXXX would n't work. At the cost of {$50.00} a tech came and fiddled around with the system got it working and stated that I will never get good reception because of the trees on my property. A couple of days later I called XXXX again because of no reception. Again, at the fee of {$50.00}, the tech stated I would need to have my trees removed to get good reception. I called XXXX XXXX and asked that they come and remove their system from my home. I called my previous carrier who showed up that very day to reinstall my XXXX XXXX. XXXX sent me a shipping box to send them back their product. I paid my remaining bill and felt assured they were now a part of my past. Since that time XXXX XXXX has been trying to collect {$410.00} from me. XXXX states that when I requested their service it was " understood '' that I was in a 2 year contract with them! I NEVER agreed to such a contract. They stated because I broke the contract, I owe them this money!!! I feel they owe ME money!! I never received the service from them that I paid for. I had it for less than a month and it was never explained to me that I was in a 2 year commitment with them. I recently received a debt collection notice from a collection agency. I called them, stated this information again and they stated they will notify XXXX of my dispute and I should hear back in 60 days. I have had this conversation over and over and over again with XXXX XXXX. From my last conversation with XXXX, I " understood '' they were closing this case and I did n't owe them. I was very surprised to receive a debt collection notice from a collection agency. I need your help to get them to STOP trying to collect money I DO NOT OWE THEM.
01/12/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
I requested XXXX XXXX XXXX internet be installed in my apt around XX/XX/year>. A workman left after installing the internet and 2 rogue gentlemen showed up at my apt door to speak to me about switching to their wireless service, unannounced ( I didn't request any additional services from XXXX XXXX XXXX XXXX. I spoke to them about changing wireless carriers, ( which never occurred ) and I paid a fee for a new XXXX phone and XXXX watch. Approximately, 7-8 days later XXXX XXXX XXXX sent an XXXX watch to my fathers house, and a new phone to the same location, which arrived approximately 6-7 weeks later. That was not what I was told about the equipment/service and the cost was higher than I was told. I contacted XXXX XXXX XXXX who could not find my account, as well as the salesmen who came to my house. I received no assistance initially from either and I felt I was being duped. About 10 days after that, XXXX XXXX XXXX debited my account on XXXX individual occasions for these phone/watch/activation service fees, this caused numerous NSF fees. Several screaming calls to XXXX XXXX XXXX later, yielded a customer service representative who located my account, he claimed that my account wasn't labeled correctly and that's why none of the other representatives to locate it and he was able to refund some of my money. That customer service representative told me I was being debited continuously so that XXXX XXXX XXXX could get their money upfront and that the debits would continue. At that point, I sent back all of the equipment. I have the returned equipment receipts from XXXXXXXX XXXX XXXX I had to cancel that debit card to stop the repeated debiting. I do not owe XXXX XXXX XXXX any money for any services other than internet service which is current, I don't have or want their wireless service, cable service or any other services from them.
08/04/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22408	Web
On XX/XX/XXXX, XXXX a debt validation letter was sent to IC SYSYEM for three alleged debts for XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX : XXXX, XXXX XXXX F/K/A XXXX XXXX XXXX. A CREDIT REPORTING REMOVAL letter was received XX/XX/XXXX stating that " they were unable to verify the information reported and have requested that any information provided to the credit reporting agencies regarding this account XXXX be deleted or removed ''. On two of three CREDIT REPORTING REMOVAL Documents that were sent one had my name spelled incorrectly as XXXX XXXX instead of XXXX XXXX that they appears on the other two documents. Shortly after receiving these documents IC SYSTEM was contacted at XXXX. I spoke to a agent who identified himself as XXXX or XXXX, who I then explained that document were received from your company stating a debt was to be removed, but my name was spelled incorrect. The agent puts me on hold to speak to his supervisor, and then comes back on the line, states that they will not send a corrected letter and then proceeds to try to collect on the debt in question of XXXX that in there own letter was admitted that they could not verify the debt. A argument erupts on the phone between myself and the agent, because of his refusal to correct the document that his company sent to me. Also to be noted the agent admitted that the document was a grammatical error, but refused to send a updated corrected version to me. The phone call ended after a few minutes of argumentative conversation with the agent saying I would receive a letter from them after I informed them that I would seek legal counsel if the matter is not corrected. Shortly after this XXXX, XXXX, XXXX were contacted to obtain procedure for complaint against IC SYSTEM. Shortly after this CFPB was contacted to get directive on how to file a complaint.
05/06/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91504	Web
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, such as a trilateral contract, that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. If your offices can 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 file 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 these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
04/06/2017	Yes	Credit reporting	Incorrect information on credit report Account status	VA 232XX	Web
RE : acct XXXX I spoke with XXXX On XX/XX/2017 and agreed to do a pay and delete on an outstanding debt. As of XX/XX/2017 I paid the agreement amount of {$130.00}. However, since that time the debt still appears on my tradeline with all XXXX credit bureaus. I have spoken with several agents and supervisor and recently spoke with a manager named XXXX who on several occsians, most recently XX/XX/XXXX and XX/XX/XXXX who indicated information was sent to have the tradeline removed and yet it still appears. I was also advised on several times by the same manger that he would have a delete letter sent and its has now been two weeks and still no letter. Several phone agents advised that the same letter would be emailed, and still no letter. However the manager advised the letter could only be sent via mail. I have received nothing but conflicting information, and now that my debt has been paid they are refusing to remove the information from my tradeline. These collection agencies collect on accounts but then they do not honor the agreement. The requested documents are never sent and when you call, you are either disconnected or told there is nothing they can do. In my recent conversation with XXXX he advised that they would not contact the credit agencies and that he could not control the mailing time. He also indicated they would not be re-sending a letter. This collection agency has used false practices so that I could pay the debt. Now the debt is paid and still remains on my account and is still affecting my score, although it has been paid. I was told my the initial phone agent, several agents in between and the manager that the debt would be marked as paid and DELETED BUT NOTHING HAS BEEN DONE. Please assist me in getting this matter resolved and accept my complaint against the misrepresentation of this collection agency.
11/07/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30294	Web
I.C. System is illegally reporting my private information to an uninterested third party/public agency without my authorization, and attempting to illegally collect a debt. I am requesting full deletion of the information being reported on my Consumer Report as well as the balance showing on any accounting ledgers associated with any derivation of my name which is my private DBA. Please make note of the following discrepancies I will litigate/enforce if this is not removed from all collection efforts and accounting ledgers : 1. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. I do not wish to contract with I.C. System for any reason and revoke any alleged or implied agreements made on my behalf without my knowledge or consent. 4. The This is an official notice to cease and desist collection and communication attempts, and a request to delete all of my information completely from their internal record keeping systems, and any reports made by them in whole, on all applicable Consumer Reports. Any failure to comply with this request will result in further Administration and Enforcement of federal regulation.
06/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 026XX	Web	Older American
XXXX XXXX XXXX XXXX. XXXX. # I.C. Systems XXXX # XXXX XXXX XX/XX/XXXX To Whom it May. I am in receipt of your notice dated XX/XX/XXXX. I have been in dispute with Since XXXX of XXXX, when I called and complained about the inability for XXXX to Live Up to the terms of their service agreement. XXXX has been unable to provide me the signal strength required to receive phone calls for my business, and the several attempts I've made to resolve this matter have met with failures on their part to live up to the terms of their service agreement. My home office is located on XXXX XXXX and the lack signal strength they provide in my town is widely recognized by dropped calls, continual impaired signal strength They acknowledged this and offered to send me a range extender that I was told would improve my service. This was in XXXX of XXXX, I agreed, and they never sent it. I called and told them and due to poor customer support, resulting in log wait times, outsourced foreign support representatives that had no ability to resolve my complaints. Each time I would explain the issues, it was like having to give a rudimentary class in English. Foreign representatives would need to transfer me to a the XXXX support, which was worse, and on the several occasions when I was able to talk to them, they failed to follow-up on anything that would cure this problem, or even returning my calls. It is my contention that XXXX could care less about fulfilling their contractual responsibilities. I had been left with no option but to transfer my phone service to XXXX mobile to resolve the problems. It is their failure to fulfill their contact obligations, and because of this breach of contract with XXXX I am disputing their charges in full, and further demanding payment for the phone lease in the amount of {$650.00} in return. XXXX XXXX XXXX
12/25/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 33137	Web
Hi, I am reaching out concerning the Debt trying to be collected by the IC Systems pertaining to XXXX XXXX XXXX. I have never owned XXXX XXXX XXXX services, I have only owned XXXX XXXX previously and transferred to XXXX for cheaper phone service. I haven't lived at the address XXXX XXXX XXXX, XXXX, NC XXXX in over two years. My previous addresses has been XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX My mother resides at XXXX XXXX XXXX, I believe that this was filed incorrectly. I called concerning the letter that was re-routed to me about the debt for {$340.00} to gain insight on what was going on. They mentioned that the internet router wasn't returned. Per my mother, she stated she called XXXX XXXX XXXX services to pick up the router and they informed her that they would send someone out to pick up the router. She stated that no one came to pick up the router. I called XXXX XXXX XXXX and asked if she could drop off the router at a local store but, they said she could no longer drop off the router and would have to speak to the debt collector and pay the fee. However, the fee is placed under my name and I am not the account holder associated with this company under this address. Due to miscommunication, it seems that my mother attempted to drop off the router and have someone scheduled to pick up the router but, due to misinformation it has been to sent to Debt Collectors and placed under my name. As mentioned, I have not lived in XXXX, North Carolina for over 2 years since have moved from the city and state. I will need this resolved immediately. Please have the removed from my name, credit, account, etc. I have never shared a relationship with XXXX XXXX XXXX I have only had services from two telecommunication services that do not include XXXX XXXX XXXX
10/19/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34654	Web	Servicemember
XXXX has previously reported to XXXX through 2 other debt collectors, a {$590.00} debt that they claim I owe. As a customer of XXXX I called their customer service multiple times complaining about my cable and Internet frequently being out of service. Being a visiting nurse, having Internet access so that I can document and get paid was detrimental to my job in livelihood. After multiple attempts with my requesting assistance or remedy, I was treated rudely I XXXX even my bill was not adjusted. After continued unavailable access to the Internet and then ability to do my job, I was forced to go with a different provider. When I canceled XXXX tried to charge me {$590.00} fee, for canceling services yet they were not providing me with the service that I needed and or paid for. I successfully disputed their claim of this debt with XXXX debt XXXX twice before with XXXX, and successfully won my dispute and it was removed from my credit at that time. I.C. systems recently called and threatened to damage my credit and to continue to report to the credit bureaus every 90 days the {$590.00} debt. I.C Systems reported to XXXX and XXXX again last week and again refused to resolve the matter when I called them, with continued threats of harassment by reporting me to the credit bureaus. XXXX did not recognize the XXXX debt collector as being a previously disputed debt that was removed previously when I was reported on XX/XX/2021, and it is now being reported on my credit report with a 34 point drop in my score. I contacted XXXX again today regarding this issue and they said that they would be opening my dispute again and connecting this debt collector with the previously disputed XXXX debt. Debt collector such as IC systems should not be allowed to continue to harass people like myself, and Im requesting that they be investigated.
02/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VT 054XX	Web
I had a rental unit with XXXX for over 4 years, paid every month. My wife and I got it when we moved out of state with the plan being to come back for our stuff. 4 years later we realized we did n't really need the stuff anymore so we called XXXX XXXX and asked them what our options were to get rid of the storage. They told us the only way without us coming to get the stuff was to let them auction it, so we did. This was in XXXX XXXX, auction was in XXXX XXXX. The deal was they would auction it then send us a bill for XXXX, XXXX and then a couple fees minus whatever it had got at auction, estimated to be {$540.00}. In XXXX XXXX I receive a letter in the mail from a collection agency saying that I owe NOT ONLY the XXXX that the storage came out to be but also {$160.00} additionally for them to collect this fee from me. That is extortion, charging me extra money on top of my actual debt or else reporting it to my credit. I NEVER EVEN RECEIVED A BILL FROM XXXX! Never! And not only did I not receive a bill but also the letter from the collection agency came within a couple weeks of my unit 's auction! So immediately I contacted XXXX via their " contact us '' web page. I have been back and forth with XXXX trying to sort this out since then and finally now XXXX XXXX, a manager from XXXX XXXX said he can sort it out for me and get my bill to be XXXX dollars as it should be. So today I call XXXX XXXX from the collection agency as XXXX XXXX told me to and the agency will not put me in contact with her. They wont let me talk to explain the situation. They are extremely rude and threatening. They tried to demand my phone number and other information and of course they wont just let me pay the XXXX as I owe. Hopefully XXXX XXXX can at least sort out the payment for me, but either way a complaint needs to be filed on these guys.
11/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 48174	Web
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with IC Systems, XXXX XXXX this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a XXXX that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform I C SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX
03/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02919	Web	Older American
Approx. XX/XX/XXXX, XXXX XXXX XXXX XXXX, a collection agent for XXXX negatively affected my credit rating by reporting to the major credit bureaus an account balance for services sold by them in XXXX, IL allegedly to me. I disputed the debt at that time and that negative report was deleted. Then in XX/XX/XXXX, IC System, yet another collection agent for XXXX sent me a collection notice for the exact same debt. I denied that it was my debt or had anything to do with me and asked them to provide me with documentation verifying the debt which has not been forthcoming. I have never ever lived in XXXX, IL nor had any account with XXXX. IC System or XXXX never provided me with any proof that the item was my debt. I have never asked for services from XXXX, never lived in IL, never signed a work order of any kind and definitely will state that there is nothing in existence that XXXX can produce that will verify their alleged debt. What they sent me is attached and is not in fact " verification of the debt '' under the Fair Debt Collection Practices Act. It is merely a copy of an invoice made out in my name at the Illinois address. Once again, in violation of the Act, and in what I consider is attempted harassment and intimidation, XXXX through its agent has again negatively impacted my credit rating with the major credit bureaus by reporting this as a uncollectible bed debt under my name and social security number. My name is fairly common around the world. I have been a businessman in RI for at least three decades. I have multiple professional licenses in RI and NY and have an exceptional credit rating. I have nothing to do with this debt and XXXX and their various collection agents need to stop this practice of harassing and attempting to intimidate unrelated third parties without verifying their own facts first.
12/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web
I C system is trying to collect a debt before providing me enough information. I first received a collection letter from the I C system around XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. However, I did not know I owed anything. After receiving the letter, I contacted the medical group and explained that I did not receive any bill from you. After doing some research, the representative found that they wrote my address wrong. Therefore, I did not receive any statements. The bill was about my son 's 1-year follow-up visit when he was XXXX old. Although we visited the doctor for my son when he was XXXX in XX/XX/XXXX, I was not aware that we had to pay any bills. Because when my son was born in XX/XX/XXXX, the hospital made a mistake, and as compensation, the hospital decided not to charge us any bills for my son. This follow-up visit was with the same doctor who had seen him when he was born and associated with the same hospital. Therefore, I assumed there would be no bills to pay, which was further affirmed when I did not receive any statement from them. However, it appeared that the medical group actually sent the invoice to the wrong address, and thus I never received the bill. When I received the collection letter from the I C system, I contacted the medical group. I asked whether I needed to pay the bill since we had a settlement with the hospital. The representative noted and took my cell phone number and address and promised to follow up after speaking to the hospital and other corresponding departments. However, I never received any call or follow-up mails from the medical group and the I C system. Now I found out that the I C system reported my bills to the credit bureaus instead of sending me another reminder letter. This is a very disappointing and unacceptable attitude from these two organizations!
10/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75028	Web
I am writing to formally complain about an ongoing issue I am facing with IC Systems, a collections agency, and XXXX, one of the major credit reporting agencies. I have been diligently trying to resolve this matter, but have encountered significant difficulties, and I hope the Consumer Financial Protection Bureau can assist in resolving this issue. On XX/XX/2023, I made a payment directly to XXXX ( instead of the collections agency ) for an outstanding balance, as confirmed by my bank statement and receipt. This payment was intended to settle the debt in question with the company itself, not the collection agency. I have retained all relevant payment records as proof of this transaction. Spectrum assured me this would be removed from IC Systems hands, and it has not. Despite making this payment and having the necessary documentation, I was shocked to discover that IC Systems continues to report this debt on my XXXX credit report. This has adversely affected my credit score and financial standing, making it difficult for me to access financial products and services. I want to emphasize that I have taken the necessary steps to dispute this inaccurate information with XXXX. I submitted a dispute through the XXXX website, attaching all relevant documents, including proof of payment and a letter explaining the situation. However, I have not received any resolution or acknowledgment of my dispute from XXXX. I kindly request that the Consumer Financial Protection Bureau investigates this matter and intervenes on my behalf to ensure the accurate reporting of my credit information. I believe that the continued reporting of this debt is in direct violation of my consumer rights under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and your assistance in resolving this dispute.
07/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 65203	Web
I received a " Collection Notice '' from IC Systems ( who I'm sure you are familiar with by now ) trying to collect a balance of {$6600.00}, listing XXXX XXXX as the creditor. I have never been a XXXX XXXX customer ( I have always been an XXXX XXXX XXXX customer ) and never had an account, therefore I immediately knew this was a fraudulent notice. It is likely that IC System obtained my mailing address due to a recent online loan application I filed in order to refinance my home. ( I received other false pieces of communication from multiple companies requesting information following this online application. ) As a XXXX of XXXX and XXXX at the XXXX XXXX XXXX XXXX, I am well aware of these types of predatory practices. Yet, after a few XXXX searches on IC System it appears this company has been wreaking havoc on people for years. I was absolutely appalled to read through the discussion forums and posts from individuals who have shared their personal experiences trying to work with this company. I'm sure many of them, in reality, had no debt and were victims of vague language, and fear-based, predatory practices to coerce them to divulge personal information and payment. Many noted they paid their debts directly, assuming their debt was legitimate. When IC Systems lists creditors as companies like XXXX or XXXX, I'm sure the percentage of people who actually had those accounts in the past is very high ( and therefore they would be inclined to pay to protect their credit ). The companies uses scare tactics and preys on uneducated consumers who don't understand their rights or these scam marketing tactics. This is a clear violation of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair or deceptive practices to collect from consumers.
01/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA XXXXX	Web
To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts from XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for this agency furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.
09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33415	Web
I C System, Inc. Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXX XXXX, XXXX XXXX, MN XXXXXXXXSir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify I C System, Inc ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : I C System, Inc any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
02/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 337XX	Web
In XX/XX/XXXX IC Systems Collections ( XXXX ) posted a notice of collection to my XX/XX/XXXX account stating that I was in collection for {$190.00} that they claimed as do to XX/XX/XXXX. I called and asked for back up information on the account and they just mailed me their invoice for the {$190.00} with no information on the origin of the debt. Then called XXXX to figure it out d try to resolve it. After several attempts to locate an account there on XX/XX/XXXX I spoke to a manager who after reviewing my file agreed that the charges were inaccurate ( they billed me for an additional month after I called to terminate service ) but claimed I owed them {$89.00} for a prorated amount that was declined by XXXX. The account was on autopay for nearly 2 years with no such incident, but I agreed t pay the {$89.00} in exchange for the promise that the collection agency would be notified, and the notice removed from my credit report. He agent informed me I could take as long as 30 days. The charge cleared my account on XX/XX/XXXX. In XX/XX/XXXX I was made aware that my XX/XX/XXXX credit report was not cleared of derogatory report. I called XXXX again on XX/XX/XXXX, and again was promised the situation was handled and that the collection agency has been informed that there is no unpaid debt to report. Since then, I have made 6 calls to XXXX with the last being XX/XX/XXXX after hearing XX/XX/XXXX had confirmed that IC Systems Collections confirmed the claim as valid on XX/XX/XXXX. The XXXX agent confirmed that on XX/XX/XXXX the notice went to IC Systems Collections that the claim was not valid. The agent promised I would hear from someone with XXXX XXXX XXXX withing 48 hours. A week has passed, and XXXX has not contacted me by phone or by mail and to my knowledge has made no attempt to correct the situation.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60611	Web
To whom it may concern, I XXXX XXXX have been a victim of identity theft and fraud, as a result of erroneous incorrect information I have suffered a financial loss significantly. I have tried contacting all of these creditors to provide information or validation and I have never received any supportive documentation that proves I am liable or consented to any service or good these companies offer. Please remove this incorrect information from my credit report. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$650.00} Date : XXXX Please remove this inaccurate information from my credit report. The following account is not mine IC SYSTEM INC Account Number : XXXX Amount : {$560.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1100.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$8300.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove it from my credit report. The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
09/25/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 186XX	Web	Servicemember
XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last year this was taken off of my credit report because it was False and I had to get consumer finance to contact them. They have now went through another collection agency to try and get money from me that I DID NOT USE THEIR SERVICES!! This needs to be removed from my credit ASAP since it is not mine and they are being nasty about it. Someone used my address and information to have phones sent to a address that we no longer lived at and the old landlord brought me a box that was sent back to them which the receipt is attached below, I am LIVID. I C System Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. Balance {$1200.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
09/12/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75104	Web
This complaint is for and against IC System # ********XXXX I was XXXX customer until XXXX. After using XXXX for over three years, XXXX starter to increased my rate when renewing contract, XXXX was charging me with taxes and for items I was never advised of therefor I had to terminate my contract with XXXX. I called XXXX customer service asked them to change my plan or to reduce my rate or modify my contract. I asked for my deposit I gave XXXX in order to get their service they said that did not qualify for the deposit to be returned because I did not make my payments on time for 12 month straight without being late therefore XXXX keep my deposit. I asked XXXX to submit my last bill to my chapter XXXX payment plan but XXXX never did, all of this happened in XXXX. after I called XXXX and asked them again to submit my last bill statement to my chapter XXXX bankruptcy XXXX never contacted me again. four years has passed now after last contact with XXXX I have being discharged now and XXXX and IC System have retaliated against me by sending or reporting this " non paid fees '' to all three national credit bureaus ( XXXX, XXXX and XXXX ) I have called two of these credit bureaus and they advised me that XXXX started to report this " non paid fees '' to the credit bureaus a month after my bankruptcy discharged month of XX/XX/XXXX. IC System started calling me every day the first week of XX/XX/XXXX. IC System approach me by asking to verify my name and address I asked IC System not to call me again if they were not willing to disclose the reason of calling me, and I also advised them that I didnt trust collecting calls over the phone, and to send anything over the mail. Now I have received a letter from IC System, and because of this letter I learned what is described above this complaint.
07/06/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34982	Web
I've had this account since XX/XX/XXXX and have tried resolving it with several companies, the last is named IC System Inc. It's regarding XXXX demanding payment of an early termination fee in the amount of {$130.00}. I have asked that I be provided documentation of a two year agreement with XXXX, and as a result only received a copy of my last bill. Upon receipt of a " Collection Notice '' dated XX/XX/XXXX from ICS, I placed a call and spoke with XXXX XXXX about resolving the matter and my paying the amount owed {$180.00} ( minus the early termination fee ). On XX/XX/XXXX, I mailed check # XXXX with an attached letter stating my paying the balance " in full '' and would close my account. ICS returned the check stating XXXX refusal to accept the amount submitted. My account was then submitted to the credit bureau 's. I've disputed this debt with XXXX on two occasions because ICS nor XXXX has been able to provide any documentation indicating a two year agreement between XXXX and I. After receiving XXXX 's first letter ( XXXX XXXX ) stating, " the information you disputed has been verified as accurate '', I assumed they had recovered some form of agreement from XXXX, so I responded by letter asking them to provide me a copy their supporting document ( s ) which assisted in their decision. Again, I provided XXXX with a letter and supporting documents of all correspondence from all parties since this account began in XX/XX/XXXX : XXXX, ICS, XXXX XXXX and XXXX. The results from my request from XXXX was the same result, ruling in favor of ICS while not providing me any supporting documentation from their investigation. With all my attempts to resolve this matter, I think XXXX and XXXX has not offered proper due diligence in their investigation and is casually concluding their results.
09/09/2022	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 33426	Web
their is a collection on my report from IC System stating I owe an XXXX XXXX. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
12/21/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	KS 67217	Web
On Monday XX/XX/2020, I received a call from XXXX from rep XXXX XXXX with IC Systems. I was advised I owed a bill to XXXX XXXX. At that point, I advised them I was happy to return the phone to be credited to whatever bill may exist. Under the agency relationship, returning the phone to the client served to mitigate the collectors clients damages. As such, he had a legal duty to take the proposal to his client to accept the phone to mitigate the damages. The collector refused to even take the proposal to his client. Second, not only does XXXX have a duty to mitigate under the eyes of the law but I believe under the original contract it includes a clause that each party has a duty to mitigate. Because XXXX refused to accept the phone and provide an updated balance they are in breach of contract since both the law and the four corners of the contract stipulate each parties duty to mitigate damages. As a result, not only has XXXX threw its agent violated contracts law in general. They have also violated the Kansas Consumer Protection Act. As such, I am drafting a petition to file suit against IC Systems. Its also worth noting, IC Systems took no basic stamps in accordance to verify my identity like verify my date of birth of the last 4 of my social security number. IC Systems has a firm with over XXXX employees and revenues in excess of {$350.00} XXXX per year. Their choice to engage in aggressive, unconscionable, and illegal practices despite their having significant resources to conduct business within the bounds of the law is the exact kind of actions that will justify my request for punitive damages in the petition. Finally, they contacted me on my cell phone that I have had for less than 3 months and refused to provide me with where they located my phone number from.
05/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43232	Web	Servicemember
The purpose of this complaint is to obtain a transcript of my account and or final billing of the last 90 days of the account that is in collection : I requested home phone service be disconnected XXXX XXXX. XXXX XXXX I requested internet service disconnected. I was told I owed {$100.00}. i was told i would receive a final bill within a few weeks that would show the exact amount owed since i did n't have service the full month of XXXX. XXXX XXXX i called XXXX sales department to start new service. i was told i was not eligible for service with them until i paid the final bill then I was transferred to customer service and paid old bill of {$100.00} then i scheduled new service installation XXXX XXXX XXXX XXXX i noticed XXXX collection was on my credit report. i sent copies of my statement showing this was paid before the new service began and i have repeatedly requested a copy of the final bill which shows i owe an additional {$82.00}. i have called XXXX and requested a copy of the final bill. i have requested this from the credit bureau and from the collection agencies. i do not have bad credit besides a medical bill and the fact that i can not get this removed from my credit or marked as paid is bothersome. What is even more bothersome is that i keep asking for a copy of the final bill showing i still owe funds. i had XXXX for over XXXX years and they never ever allow your new bill to generate if the old bill has not been paid. My monthly bill was {$84.00} each month for phone and internet combined and this was auto debited from my account for years. Please request they remove this from my credit or send me the final bill as i have requested for over a year. They keep sending this to new collection agencies which is really causing my credit score to drop. Thank you.
07/10/2023	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	AZ 85044	Web
I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by I.C. System, Inc. ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. Documentation showing that the Collection Agency is licensed to collect debts in my state. Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts. If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
04/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	UT 84116	Web	Servicemember
I had a car accident in XX/XX/XXXX. All the medical bills were to be paid by my vehicle insurance policy to XXXX XXXX ( XXXX ). XXXX did not agree to the amounts paid by the insurance company and passed the debt onto me. XXXX owns the debt and placed the debt with IC Systems. IC Systems took the aggregate debt and broke it into six ( 6 ) separate collections on the same bill! IC Systems then began reporting these six ( 6 ) collections to the credit reporting agencies. IC Systems received a notice of dispute. DESPITE receiving a notice of dispute - IC Systems fraudulently represented to the credit bureaus that I was delinquent on the bill though the bill was disputed and the dispute shows on the credit bureaus as a disputed bill. IC Systems in ore top harm my credit - continues to fraudulently represent this bill is delinquent. Each time I apply for credit - IC Systems adds another delinquent notice into the credit bureaus to further harm my credit using abusive tactics. **IC System 's abusive tactics have real world economic impact. As a disabled veteran seeking a home loan - this impacted my ability to refinance my home during the COVID19 pandemic. Last year, I contacted XXXX as the current legal owner of the bill to tell them about the abusive tactics by IC Systems. I contacted XXXX by formal letter and by email. XXXX did not respond to the notice of dispute or complaint. I have included screenshots taken from the underwriting department of a mortgage company attempting to refinance my home - showing the abusive tactics of IC Systems fraudulently representing I am in a payment plan with reported delinquencies. A debt validation letter was sent to XXXX - as the owner of the debt - on XXXX XX/XX/XXXX. XXXX FAILED to respond to the debt validation letter.
01/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
I have been with XXXX for many years I would say over 10 to be exact. Two years ago I rcvd a notice that I had a delinquent account and I was like that's not possible I called XXXX and they said we don't see that you are delinquent. So I disregarded the notice. When I then rcvd another one saying I was delinquent called back and gave them the account number on the notice and they found an account in my name for I believe XXXX dollars. I advised them that was not mine and that my real account with them has never been delinquent. They researched the account and found that it was a fraudulent account and deleted that account. About two months after that I started getting another delinquent notice from XXXX but this time is was for XXXX for a phone and a phone line. I called XXXX saying I rcvd another notice about another account in my name that was opened. When they researched it they stated that they would not remove it because the number associated with the fraudulent account called my real number. I told them how was I supposed to know that someone who obviously stole my info would call my number. The pretty much told me that I would need to research it myself to see who stole my info because its someone I know. The only thing they told me in regards to the fraudulent account is that someone went in one of the stores and opened the account and that they could not do nothing because it was a 3rd party authorize company. I told XXXX that they would still be liable because before a new phone line is opened they have to verify my identity by looking at my ID and this did not happen because they would have seen that this person was not me. To this day I still have my real account with XXXX but they are still holding me liable for letting someone open an account in my name
08/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85711	Web
Out of the blue, XXXX sent me a bill for over {$400.00}, despite me having no business with XXXX for at least 6 months. I called XXXX and requested proof of debt. They responded by sending me another bill with late fees. I then sent them the first of four ( 4 ) CERTIFIED letters requesting proof or debt, itemized charges & copy of any agreement I signed. XXXX continued to send me bills with late fees but never responded nor sent me any proof of debt as required by law. After my 4th certified letter to them that was completely ignored, they sent my account to collections with IC systems. I called IC systems and requested proof of debt, itemized charges and a copy of any agreement I signed and they ignored me, just like XXXX. So at this point, both companies have violated the Fair Credit Reporting Act and have illegally sent my account to collections and damaged my credit. When I submit complaints with the credit reporting agency, they tell me that IC systems/Sprint confirmed the debt and they won't remove it from my credit report. However, they have refused and failed to confirm the debt with me. They have violated the FCRA and they are continuing to refuse to supply the information or remove the false claim from my report. At this point, they've had 6 different certified letters sent, to both XXXX and IC systems. They have blown me off for 2 years now and I demand this get removed. They completely failed to follow the FCRA and, as written in the act, the debt is invalid if they fail to comply with the FCRA and fail to provide me with the legally required information in a timely manner. I know nothing of this debt and at this point, both XXXX & IC systems have gone well past the timeframe legally spelled out in the FCRA, making this debt invalid.
04/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89178	Web	Servicemember
I received a voice message in XX/XX/2020 from collection Agency, IC System. It took me about a week to follow up with them, due to Covid 19 issues, to determine who they were and contacted them via telephone. The agent indicated that said debt was from company XXXX, which an online search reveals they provided internet/cable services. I informed the agent that I have never done business with XXXX and that I believe this is identity theft as XXXX does not service the XXXX XXXX area. The agent asked me to contact some other telephone number, I did not, but did send them a letter asking for verifiable validation of the debt, on XX/XX/2020. The letter also stated that IC System was not to take any action, that would be detrimental to my credit report, but on XX/XX/2020, I received a notification from XXXX Credit reporting Agency, that there had been a change to my credit report. Upon review, there was a collection entry from IC System for the amount of {$440.00}. Subsequent, and in response to my letter that I sent them dated XX/XX/2020, I received a " collection notice '' from IC System, dated XX/XX/2020????. IC System took action that resulted in detriment to my credit history and credit score and because this debt is unverifiable and not validated, IC System violated the Fair Credit Reporting Act : Section 609 ( a ) ( 1 ) ( a ). They are required through the physical verification of the signed consumer contract - for all accounts you post on a credit report. They are in violation of law! In addition, while reviewing my accounts with XXXX and XXXX yesterday, they too received the same collection credit reporting from IC System. I am outraged that this collection agency can break the law, ruin your credit and have little to no repercussions. I am fighting back!
01/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 433XX	Web	Servicemember
On Wednesday XX/XX/XXXX I received a notice from my XXXX XXXX account of a negative account from IC System inc. added. My credit reports and scores took a big impact from this account. I called IC System the next day and gave them my current address as I was asked for it to show proof of who I was. I was then notified the account was from XXXX. I contacted XXXX and was notified the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX due to lack of payment. The address this account was attached to was an address I did not live at during the accounts life, I did live their prior but not during the account being open. I submitted paperwork and a police report to XXXX and was contacted by XXXX to complete a stolen identity packet. Today XX/XX/XXXX I received a collection notice from IC System inc. that was dated for XX/XX/XXXX, two days after I made contact with THEM. The notice said I have 30 days to file a dispute with them, only issue is, they already hit my account with this fraudulent account and are just now telling me I have the option to dispute the account. They are affecting my financial future and asking questions later. As far as I know, I am supposed to be given 90-180 days of my first notice before they attach this to my credit report. Why did it take them 13 months after the fraudulent account closed to make contact with me? I feel as though this company is responsible for this scam. I never received contact from them until I gave them my current address and this account didnt hit my report until 13 months after the account was closed. 90-180 days is 3-6 months, not 13 months. Something doesnt add up and IC System inc. is no help. I am not the only one who has had these issues with this company. They should be closed due to scamming many others.
04/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 329XX	Web
I.C Systems sent me a letter trying to collect a debt from XXXX, stating that I did not return a piece of equipment. When I closed my XXXX account I brought both pieces of equipment as directed by XXXX to XXXX on XXXX XXXX XXXX, in XXXX XXXX XXXX FL on XX/XX/XXXX, I received a receipt, however over a year later I am unable to locate that receipt. When I received the letter from IC Systems I called them on XX/XX/2022 and spoke to XXXX XXXX # XXXX, and she told me to dispute the collection I had to send in a written request. I sent the written request that day on XX/XX/2022. I then called in on XX/XX/2022 and spoke to XXXX XXXX XXXX # XXXX and he told me the account has already been disputed and the letter was not received yet. I then called in today XX/XX/2022 and asked if the letter had been received. XXXX XXXX XXXX # XXXX informed the letter was received today XX/XX/2022, 34 days after I sent it. I asked XXXX XXXX when the file was disputed and she told me it was disputed on XX/XX/2022. She told they had 60 days. I informed her the creditor has 30 days from the time of the dispute to validate the collection or it could not be placed on my credit report. XXXX then transferred me to a supervisor, XXXX XXXX # XXXX and he told me that we just received the letter today and that they had an additional 30 days. I argued that, XXXX screwed up by filing the dispute on my original call on XX/XX/2022 and started the 30 collection verification clock. 30 days has already passed and the collection has not been validated and they can not put this collection on my credit report. He seemed unaware of the timelines required to validate a collection and said they had more time. He then told me that this was all of the information that they could give me and ended the call.
10/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85296	Web
Debt Collection Agency : I.C. SYSTEM, INC I NEVER heard of this company before, but I know their kind because I have been living in this nightmare for about 3 years. So an XXXX XXXX XXXX XXXXXXXX account was opened and closed promptly in my name but in a different state. Of course, I had no knowledge of it until someone dinged my pristine credit rating over and over again, resulting in a significant decline in my XXXX XXXX. To make the long story short, when I called XXXX XXXX XXXX did not even have a record of any account based on my information. But somehow, the original creditor is XXXX XXXX XXXX. Fortunately, my XXXX XXXX was restored after reporting that it was a fraud. I was so wrong! You see, these debt collection agencies sell the debt to " other '' collection agencies when they are not able to collect it. And promptly, without any notice, they would ding my credit ( some companies ding me more than 4 times a month ). And that charade continues while the victim ( that is me ) is helpless in doing anything. The credit bureau doesn't help ( XXXX ) because they said I need documents, but I don't have any and can't get any from those collection agencies. They just have my information, the amount of debt, and the POWER to ding my credit anytime they choose to do. It's about {$400.00}, and there is no way I would pay even a dime for such evil companies. Now, my credit score went down by more than XXXX points within a month because this company dinged me twice, I have to go through all these useless and unsuccessful steps once again to mitigate this situation. And XXXX XXXX wants me to file a fraud report to ftc.gov and send subsequent documents to them before they can " restore '' my credit score. Hope no one goes through what I am going through.
07/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
03/31/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 295XX	Web
Back in XXXX I had XXXX treatment for my both legs at XXXX XXXX XXXX in XXXX, nj by that time I had XXXX XXXX XXXX XXXX XXXX and I was supposed to pay for a copay I cant remember the amount now but it was an affordable amount to me. Now after 5 years around XX/XX/XXXX I received a letter from iCS system trying to collect XXXX to that treatment. After several phone calls, I spoke to XXXX XXXX XXXX the supervisor for collection department he analyse the case and said a mistake was made and bill will be adjusted finally balance came down to XXXX and they offer me a XXXX payment plan couple weeks ago so they said when you are ready call us so we can proceed. Then I decided to call XXXX to make sure I was supposed to pay that balance I spoke to XXXX XXXX he said on the XXXX treatment XXXX XXXX accepted {$1500.00} as a payment insurance paid {$1400.00} and i paid {$88.00} copay.So again yesterday XX/XX/XXXX me and XXXX from XXXX spoke to XXXX XXXX on a 3way call he was laughing at me and the other guy saying my balance was XXXX and had to be pay. Later yesterday I got an email from XXXX XXXX that I had 5 new accounts on my credit so when i looked they reported to 3 credit bureou 1 bill for XXXX and 4 more for {$500.00}. According to new law after receiving a bill we as a customer have 1year to settle the bill down and they didnt wait after 1 month sending me the bill they add that crazy amount to my credit so i need help removing that because they are forcing me to pay XXXX immediately or my credit will be ruined. Im a hardworking person my husband too, no criminal records and I can accept that this is really aggravating and looking at XXXX reviews they seems to do that to a lot of people. Please help me I have a XXXX old and need my credit restore, thanks
07/21/2020	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	MI 480XX	Web
The IC systems company has taken longer than 30 to resolve or respond to a dispute on my credit report causing me to look as if I am not responsible. This debt is from XXXX which is past the statute of limitation to report. I have been fixing my credit for 8 months and this company come and puts this information on my report as an open account. That is a false statement and a violation of the FCRA. IC systems and XXXX are playing the blame game with saying that they reported it to the bureaus to take it off and the informaation would be sent back to the original creditor. Well that never happened. I had plans to get a vehicle for the summer and got denied credit due to this erroneous informaation being reported and now I have lost points and credibility. My integrity and my character has been blemished due to the negligence of this company. I spoke to XXXX on Friday XXXX XXXX and he stated that there will be a letter sent to XXXX to update the information and the account should be removed. It has not been done til this XXXX day of XXXX. There were 2 accounts that were charged off and were reported as open accounts. This has caused me grief during the pandemic crisis. I have worked so hard to get my credit in good standings and for this company decides to put erroneous information on my report and now my rates are shooting out the roof with high interest rates. I am paying more my mortgage than I have to due to my credit score being lower than it suppose to be. I lost total of XXXX points for the negligence of this company, I want this company and XXXX to pay for the damages for my pain and suffering. I spoke to XXXX and they stated that they never recieved notification to remove this account. At this point I have lost time that I can not get back.
12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78758	Web
IC System is reporting a debt of {$380.00} from XXXX under my name to XXXX credit reporting agencies -- XXXX, XXXX, XXXX. Unaware of such an account, I requested that IC System send me specific information pertaining to this debt under Texas XXXX XXXX XXXX XXXX XXXX XXXX ( see attached letter XXXX. According to XXXX XXXX, when requested, a debt collection agency or credit bureau must provide the alleged debtor with specific validation information concerning their alleged debt within XXXX calendar days. The debt validation request was mailed via XXXX Certified Mail with Return Receipt on XX/XX/2016 and received by IC System on XX/XX/2016. IC System has been given more than XXXX calendar days to provide a timely response, but has failed to respond at all. Per XXXX XXXX XXXX d ) ( XXXX ), failure to respond to the request within XXXX calendar days, or failure to validate the debt, requires IC System to delete their tradeline from all credit reporting agencies. In addition, since receiving a request for validation, IC System has submitted a " XXXX '' remark to the credit reporting agencies ; an action that I did not request. I merely requested more information about an alleged debt, which is fundamentally different from disputing such debt. IC System took it upon themselves to report a dispute that I did not request. IC System is not only attempting to collect a debt that they can not or have not validated, but their collection practice is irresponsible. This feels like a bullying tactic to ( XXXX ) make a person feel guilty about requesting more information, and ( XXXX ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.
09/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 368XX	Web
I became aware of a negative knock on my credit in 2020 by a debt collector credence collection. They instructed me to contact XXXX XXXX XXXX XXXX to resolve issue. I contacted them and they explained to me that they were looking for a XXXX somebody at at XXXX XXXX somewhere. I have no idea who this person is nor do I know or have ever lived on XXXX XXXX XXXX I told them it was fraud. I then got back in touch with XXXX to explain the same. I then contacted the social security office to let them know my information had been taken to create an account for XXXX XXXX XXXX XXXX XXXX After many calls it was eventually removed from my credit. Until naturally right before Im going to purchase a house it popped back up. This time instead of XXXX XXXX it was under XXXXXXXX XXXX. So I was back to the same thing. I contacted XXXXXXXX XXXX they wanted me to pay the debt to have it removed when I explained it wasnt mine I told them I couldnt do that out of principle. They did tell me I could talk to XXXX XXXX XXXX XXXX XXXX So I did again. This time doing it online. But in hoping to speed the process up I hired the national debt lawyers at XXXXXXXX XXXX After 3 months this issue was again resolved and off my credit. Until this month. Now its not XXXX nor XXXX its IC systems collecting the same amount looking for the same person at the same address neither of which I know. I filed a dispute with XXXX and called a dispute with XXXX. XXXX denied my dispute transunion said they would resolve it. XXXX site advised me to call the debt collector. I called IC systems and they asked for XXXX. After I told them I have no idea who that is, explained the whole situation they said they could no longer talk to me and I needed to submit my information here. So here we are.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94589	Web	Servicemember
When I received the letter from IC Systems, I called the number provided and I was met with a message saying that this company is not taking my calls. This is a debt from XXXX that I've been disputing and filed a claim back in XXXX from another collection company tryin to collect on this. This company is also reporting incorrect time of debit as well as reporting this as new. This was placed in collection back in XXXX of XXXX and IC Systems is reporting this as XX/XX/XXXX as being a new debit. XXXX keeps passing this along when I dispute this claim and this company is falsely reporting this as a new debit. Below is when this was first on my account and I filed a claim on this company Date Reported : XXXX XXXX, XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10026	Web
I filed a complaint with the CFPB about XXXX unlawfully, illegally, and without written consent from me the consumer reporting derogatory items on my credit report. I filed this complaint on XX/XX/. I received a response that XXXX was " investigating ''. I did not request an investigation, I requested immediate deletion due to no written consent from the consumer and inaccuracy. XXXX also responded that during their investigation they contacted a " data furnisher '' to verify the accuracy of the account. I am reporting XXXX, this is not only illegal this is unethical and not the proper way to validate any alleged debts. I am the consumer, I am the only person that can verify the validity of an alleged debt. XXXX illegally reached out to a third party in order to verify information about me the consumer and did not once reach out to me to confirm or deny the validity of these alleged accounts. Any person claiming I owe this debt without my knowledge or including me in the conversation is violating my rights to privacy as a consumer. XXXX also responded that they've updated aspects of the account which is also illegal. I did not now nor ever give XXXX permission to put false, inaccurate, and financially degrading information about me on their reporting platform. I also received feedback from XXXX that one of the accounts that I disputed would be deleted and that account is still reporting on my credit report despite them claiming they deleted it off my report. This has effected my mental and emotional well being, in addition this is directly negatively impacting my livelihood and creditworthiness. I'm trying to resolve this amicably before bringing the courts into this because then I will be seeking {$1000.00} in damages for each violation.
10/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43065	Web
On XX/XX/2020 I placed an online order with XXXX XXXX XXXX for some XXXX accessories totaling {$810.00}. These parts seemed to be in stock. XXXX XXXX charged my credit card immediately but failed to ship my order. On XX/XX/2020 I requested XXXX XXXX cancel my order and refund my money. After not hearing back for several days, I filed a dispute with my Credit Card Company. On XX/XX/2020 after receiving notice of the dispute, I received an email from XXXX XXXX confirming the order cancelation. On XX/XX/2020, I received a threatening COLLECTIONS email from XXXX XXXX. This time they accused me of Cyber Theft. Apparently, two days after I filed the dispute and they indicated they canceled the order, XXXX XXXX shipped a package to the wrong address and that package is now lost. On XX/XX/2020, XXXX XXXX XXXX, with knowledge and intent, used my credit card information obtained from the XX/XX/2020 order, to illegally and fraudulently charge my XXXX Visa Card a second time. Further, they set this charge up as recurring so as to cause as much financial damage as possible. Because of XXXX XXXX actions, I had no other choice but to completely close my credit card and reopen a new card disrupting all of my recurring payments with other companies. Even though I won the credit card dispute and never received my order, XXXX XXXX turned me into collections. Shortly after I began receiving calls from ICSystem claiming I have unpaid debt in the amount of {$810.00}. I've sent ICSystem proof that the order had been canceled and indicated that I did not receive the shipment, they tell me that there is nothing they can do because their client ( XXXX XXXX XXXX ) insists that I owe the debt and therefore they intend to report this debt to the credit bureaus.
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43609	Web
I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
11/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 321XX	Web
I do not have a signed contract nor any contract with I.C.Systems. I have never done business with this company. I am not liable for collection from this debt from I.C. Systems. I am not responsible for this debt with I.C. Systems. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 631XX	Web
I pulled my XXXX credit report and noticed they have 3 variations of my name and 2 of them are spelled incorrectly. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 2 companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
08/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90638	Web
Back in XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX a.k.a. XXXX tried to collect a debt ( {$100.00} for one month 's service ) through XXXX XXXX XXXX XXXX. I sent them a letter explaining the situation with the following information : The is a notice to inform your company that the debt being claimed by the creditor ( XXXX XXXX ( XXXX ) Account XXXX XXXX XXXX is invalid and lacks accuracy. Facts in the case are as follows : 1. XXXX billed for services NOT rendered. Those services were internet at a premium speed ( a $ XXXX. value above basic service ). A promotion of $ XXXX. off for 2 years. A total value of {$360.00} which should have been credited to the account. 2. XXXX deleted from their records complaint calls regarding slow or intermittent internet. 3. A XXXX sales representative promised to credit the account for the missing promotional credits. 4. It was discovered that XXXX had reduced the ability of the modem to operate at the faster speed. The explanation from the tech department the speed was a result of being too far from the hub ( an admission that the speed promised could never be achieved and should have never been billed for ). This was a false statement discovered on further investigation that the modems size of packets had been reduced 50 % from the machine capability. 5. The equipment was returned prior to the billing cycle. Thus, services were not rendered. The matter seemed to be dropped when no other correspondence being made after that. Now a new collection company appeared in XXXXXXXX XXXX XXXXXXXX. They were trying to collect a monthly service that was easy to show it was paid. They, I.C. System Inc., ignored blatant proof there was no debt owed and proceeded to file a ding on my credit reports.
12/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 666XX	Web
I was notified of a debt by IC Systems and contacted them XXXX of XXXX. I did not have the full balance owed of XXXX, but I was able to set up a payment plan where they would withdraw {$100.00} on XX/XX/XXXX and withdraw {$50.00} every month on the XXXX for 8 months, and then pay the remaining balance of XXXX on XX/XX/XXXX. I also inquired about making additional payments to lower the final payment which they told my I needed to call in to do so. Additionally, I was told that as long as a did the payment plan and had it paid off by XX/XX/XXXX they would not report it as a collections account to the credit bureaus. I made two additional payments : on XX/XX/XXXX for {$50.00} and XX/XX/XXXX for XXXX. This brought my final payment to {$200.00} on XX/XX/XXXX. Both times, I called to make the additional payments I confirmed that the final payment set up on XX/XX/XXXX would pay off the loan. Both times, the representative told me it would. The final payment of {$200.00} was paid successfully on XX/XX/XXXX. The account was paid in full. However, on XX/XX/XXXX I received a credit monitoring alert on my phone. When I checked my credit report, it showed a new collections account from ICS was added on XX/XX/XXXX. I pulled up my IC Systems account on XX/XX/XXXX and it showed I still had a balance of XXXX. This is completely inaccurate. I attempted to contact IC Systems and I was unable to reach a person. The phone would ring. It would say no one is available and ask if I wanted to leave a voicemail. When I attempted to leave a voicemail it said the box was full and hung up. This is horrible debit collection practices and I expect this to be resolved immediately. I paid the account in full and should not have to go through this mess.
01/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46220	Web
Back in XXXX I found a collections reported to my credit report on behalf of XXXX. The debt was mine and I took the necessary steps to pay in full which included a past due balance as well as returning equipment directly to spectrum in person. This happened in XXXX of 2020. I then called and informed IC Systems that the debt had been paid and I asked what was needed to do to get this removed. They stated that if I mailed copies of my paid receipts they would have it deleted. The paperwork was mailed and I waited at least a month to call to give them ample time. I called to confirm they received it and why it was still showing as a debt. They confirmed they had copies of the receipts but they needed to get confirmation from XXXX themselves from their collections department that it was now being reported as XXXX debt. I called XXXX explained the situation and they flagged my account so that it was pushed through AGAIN to report to IC Systems that it had been paid as they had already done. Another month or so goes by and I call IC Systems because it is again showing on my credit report and they refuse to update their balance in their system even after I sent receipts. The representative then tells me I now have to send copies of my personal bank account info showing the payment went through because I could have reversed the payment. After several calls and almost 9 months later they still refuse to update their records even after both XXXX and I personally have shown them proof. They have yet to help or try to resolve this issue only giving me more hoops to jump through for a {$350.00} debt. This is unacceptable especially when I have receipts including chat conversations with a XXXX representative. Please resolve this.
09/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37075	Web	Servicemember
XX/XX/2020 I received an alert from the credit bureau advising me that a collection had been placed with my account with IC Systems. I immediately found the name of the medical group that sent IC Systems the account and made the payment directly with them. The payment was made with XXXX XXXX XXXX on XX/XX/2020 in the amount of {$120.00} 9 ( confirmation # XXXX ). I called IC Systems on XX/XX/2020 and asked them to remove the collection off of my report because the account was not settled with them. It was settled directly with the XXXX XXXX so they didn't need to be reporting a collection anymore. I provided them with all of the information ( date payment was made, the amount, and confirmation number ). I called them again on XX/XX/2020 to see if this had been resolved and they stated that it still remained and was waiting on XXXX. I called XXXX and advised them that the collection company was still reporting a debt and that they needed to contact them to remove it. They advised they would send the needed information to IC to have them pull the account from the credit bureau. Yesterday XX/XX/2020, I received an alert stating that IC System not only hasn't removed their account on my credit report but they updated the payment status to paid/improved. So they made an update with the credit bureau but did not REMOVE the account. I did NOT pay them I pay the medical group directly and owed no balance with IC. XXXX removed from credit report on XX/XX/2020 when I showed proof of payment directly with the medical group and they removed the very same day. XXXX will NOT remove this from my credit report even with proof. This is shady as XXXX and I'm really irritated. It's affecting my credit score and need to be REMOVED.
06/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 633XX	Web	Servicemember
I previously filed a complaint on XXXX/XXXX/2022 with the CFPB against IC SYSTEM that was closed without any attempt of an investigation into the matter at hand. This organization violated federal law and continue to ignore any actions that are taken by me. Its been 29 days and I have not received a single piece of mail from IC SYSTEM and I do not understand how or why this is allowed to happen. IC SYSTEM posted an unverified collection to my credit without allowing me the opportunity to dispute the debt. 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
07/09/2021	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	TX 78332	Web
I noticed a collection account on my XXXX credit report that does not belong to me. The account name and/or collection agency is I C System Inc. The original creditor is XXXX XXXX account # XXXX. Date opened XX/XX/2021. The collection shows {$310.00} past due as of XX/XX/2021. I have never had an account with XXXX XXXX so I immediately contacted XXXX in an attempt to correct the error directly. XXXX was unable to locate an account for me as I am not a customer. I filed a dispute with XXXX on XX/XX/2021. I received communication from XXXX on XX/XX/2021 advising my dispute had been completed. Unfortunately, XXXX did not remove the collection from my credit report. I then contacted the collection agency, I C System Inc., on XX/XX/2021, to try and get additional information as they are the agency that reported the collection. I C System was also unable to locate me as a customer in their system. The representative searched for me by name, address/state, and social security number ; however, she could not locate a collection and stated it was clear there was an error in reporting. She advised me to contact XXXX again about the issue. I spoke with a representative at XXXX on XX/XX/2021. I went through the entire process again, and advised neither the original creditor nor the collections agency is able to locate me as a customer. He stated I needed to file a complaint with the Consumer Protection Bureau which is where I am now. I would like to have this issue resolved as soon as possible as it is negatively affecting my credit score. I do not have alot of information about the actual account and/or collection as I have never had an account with XXXX XXXX. Please contact me if you need additional information.
07/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20852	Web
I canceled my cell phone bill with XXXX XXXX on XX/XX/XXXX, my last payment was for {$150.00}. I utilize a credit tracking service, which is how I was notified ofan outstanding bill of {$700.00} for the phone. I never received any notification from XXXX. When I called in they directed me to IC systems, the collection agency. A gentleman stated {$700.00} was due and showed an incorrect address of : XXXX XXXX XXXX XXXX XXXX md XXXX. Unfortunately that is the address of my deceased grandmother and I have not lived at that location for over 2 years. XXXX has never emailed me, after failing to get in touch with me, and they have confirmed the email on file is correct. Despite no one reaching out to me, I called XX/XX/XXXX and paid the bill in full. The confirmation number for that payment is XXXX. I then called XXXX and spoke to XXXX in the collections department, she confirmed the wrong address on file and no additional addresses. After using XXXX for TV and internet, and having all my bills sent to the correct address, it is puzzling that it would be incorrect in the collections department and then incorrectly sent to the collections agency. Upon my request to cancel service, I was NOT informed the final bill would be mailed, nor did the agent confirm the correct mailing address. I have been emailed all other bills for this cellphone line by XXXX, and my XXXX TV and internet bills were mailed to the correct mailing address. I am saying this to say, XXXX as a company has the correct address associated with me somewhere in their system, they just didnt look hard enough. I have more than upheld my end as the customer, by paying all of my bills, but the service I have received from XXXX has been unacceptable.
12/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NC 27896	Web
The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act [ 15 USC 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 : ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. The violations that have occurred include, but are not limited to violation of the North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. The violations that have occurred include, but are not limited to violation of the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). The violations that have occurred include, but are not limited to false or misleading representations ; in violation of 15 U.S.C. 1692e. Specifically, the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The violations that have occurred include, but are not limited to violation of the Fair Debt Collection Practices Act specifically Notice Requirements of [ 15 USC 1692g ] ; overshadowing.
05/13/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21224	Web
I went to XXXX XXXX ( aka XXXX XXXX ) in XX/XX/XXXX/ XXXX XXXX. First I went for XXXX & then I went for doctor 's visit/ XXXX. I paid for both visits in XX/XX/XXXX. I have receipts for the visit - printed & credit card tape. In XXXX XXXX I started receiving calls from a collection agency. I provided copies of the receipts from the payment as well as a copy of my bank statement with the money coming out of my account. The collection agency said they could not stop calling me until the office told them to stop calling me. I sent the receipts and a letter of complaint to the doctors office and I fired my XXXX that I had been going to for approximately XXXX years because I had recurring billing problems with them in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They did not acknowledge the letter or the receipts. They did not call off the collection agency. However, I know that they did receive the letter and receipts because when I went to my new XXXX this year, instead of sending my medical records that I requested and paid $ XXXX- {$25.00} for them to send, they sent a copy of my letter of complaint and my receipts. I do not recall the specifics of the issue with the XX/XX/XXXX bill. I have been remiss about checking my credit. I think they charged an old insurance instead of a current one. However, I thought it was resolved long before my appointment in XX/XX/XXXX. Additionally it did not show up as a previous balance on my invoice for XX/XX/XXXX. How do I get them to resolve this? Note : I do not have the copies of the invoice & receipt with me. I would like to opportunity to upload them later even though they already have them. I did upload my bank statement that shows the money coming out of my account.
11/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 027XX	Web
This letter is sent in response to collection that was placed on my account and that has inaccurate information. I am requesting that you provide verification of this debt. As I have proves that this account was settled with the previous collection agency and then sold to you and if I believe that is against the law. Please send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent and a written explanation why it was sold to you from XXXX collection agency. What you provided in the previous dispute was just a bill which doesnt prove anything. Please also note whether this debt is within the statute of limitations and how that was determined. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. By law you are required to provide me with all the information requested if you can not do so you will have to delete this from my credit history. Sincerely, XXXX XXXX
04/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 274XX	Web
I could n't find another appropriate option. The debt was not paid ; the debt is/was not owed. XXXX overcharges for data services and I had only XXXX cellular phone account with only XXXX cellular phone but they would claim that my bill exceeded $ 300 monthly, which is outrageous. They falsely advertise an unlimited data plan. I was at my wit ' send and disputed the validity of the purported enormous balance. I canceled my service and they retained my deposit of {$400.00}. They have yet to properly handle my bill disputes. In fact, they have willfully ignored my correspondence disputing the purported balance. Today I received notification that they have reported a debt owed of {$780.00} to the credit bureaus which is a direct violation of the Fair Credit Reporting Act. The bill is at best under dispute for overcharging with XXXX directly. To report it as a valid debt that has not been under claims is effectually premature. I have no negative collection accounts and their report to the credit bureaus has resulted in denial of credit today. I demand that they are enjoined to immediately remove the reported collection account from all XXXX bureaus and correct the excessively high bill. They have been found liable for unfair business practice of overcharging for data and this is exactly what they are doing to me. I only had XXXX account, XXXX phone, and the phone was NOT on an installment plan. I owe no balance for the XXXX XXXX, and I owe no balance for the cellular account. If they were to process my innumerable billing claims and correct the bill, a XXXX balance account will be the result, especially considered that they remain in possession of the {$400.00} I deposited with them to start service.
09/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93722	Web
I C Systems placed a collection on my credit report back in XX/XX/XXXX. I disputed this through my XXXX account but was denied. I then submitted a XXXX complaint because 1 - The debt is not mine 2- They never reached out to me letting me know they where going to place this on my credit report 3- When i asked for proof this debt was mine they did not have any proof When XXXX was involved I C Systems did reply and stated the following as well as sent me a letter to my home which i have proof of that says : " XX/XX/XXXX XXXX XXXX Please accept this letter as confirmation that I C SYSTEM will no longer pursue collection of this account and will return it to XXXX. We will request that any information our office may have forwarded to the credit reporting agencies regarding this account to be deleted or removed from their records. You may wish to review you credit report to ensure that your credit information has been properly updated. Your credit bureau account number is :XXXX This communication is from a debt collector " CREDITOR : XXXX ACCOUNT NO XXXX I.C. System reference no XXXX Balance {$1400.00} As you can see above this was sent to me on XX/XX/XXXX. It is now XX/XX/XXXX and i just got off the phone with XXXX and they have no information from I C System and this collection is still illegally on my credit report negatively affecting me and my family financial well being. PLEASE HELP When i contacted I C System again on XX/XX/XXXX via phone the representative stated they have no idea and said they would transfer my call to a Senior advisor but instead kept me on hold and hung up. I have proof of this letter sent to me, i also have proof that I C Systems replied to XXXX With the exact same answer.
12/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77079	Web
Hello, I recently ran my credit report with XXXX and discovered a collection item from I.C. Systems, Inc in the amount of {$400.00} from XXXX XXXX. I researched my bank statements and did not see any charges in relations to I.C. Systems, Inc. I.C . Systems, Inc is causing emotional harm to my reputation and acting negligent to provide inaccurate information publicly to the credit bureaus. I never had a direct business relationship with this company and I would like to see the actual written contract and whatever supportive documents that obligates me to this alleged debt presented to me in a timely manner. If I.C. Systems, Inc has a clear copy of my driver license. They should submit that as evidence to support this alleged debt. I understand there is a verification process with the credit bureaus. Which is automated and not really 100 % accurate most times with the credit bureaus. I will follow up on my end with the credit bureaus and dispute this alleged debt and ask for the proper documentation that relates to this matter. Throughout the process of this investigation I would like to request an audit on the record keeping of process for I. C. Systems, Inc. I want to make sure that they are adhering to State of Texas and Federal laws. I have done my research on this particular company and noticed the past and present federal lawsuits in relation to violations of the Fair Debt Collections Practice Act. I hope that a positive resolution will result from my direct communication in regards to this alleged debt. I.C. Systems have XXXX days to respond to this request of verification and forward all required requested documents via US Certified Mail. Thank you for your time, XXXX XXXX
04/02/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	XXXXX	Web
Dear XXXX I am an American living in XXXX. I moved here in XX/XX/XXXX. I have not visited US since that day. I received a letter, enclosed from I.C. System Inc, which purports that I have an outstanding debt of XXXX dollars for XXXX XXXX and have not paid this since XX/XX/XXXX. It was sent to an address in XXXX XXXX, Texas, belonging to my aunt, whose address I have given ONLY one company, XXXX XXXX Mortgage, since they needed a US address to process my XXXX mortgage modification, and would not allow me to use my XXXX address. I use my XXXX address with my credit card and checking account, also with XXXX XXXX. My issue is this : I used to use XXXX for my cell phone and XXXX needs since the year XXXX until I left the US to XXXX in XXXX XXXX. I have since used a XXXX provider for my data and XXXX needs. Second, XXXX XXXX does not sound like a real company, they are trying to impersonate XXXX XXXX XXXX XXXX, which as you can see is spelt differently. Lastly, I have seen IS Systems is a XXXX XXXX, MN based collection agency, but I am not sure if the letter is sent to me by that company and I am afraid to contact them and give them any of my personally identifiable information for fear it is identify theft. I am requesting that the CFPB verify if this is a real communication from IC System , Inc and why this was sent to my aunts address in Texas, when this is not information available to anyone else but XXXX XXXX Mortgage. I believe CFPB must investigate IC Systems, and XXXX XXXX as it would seem that XXXX XXXX has in some way given my personal information to someone who is now using this infromation to either get XXXX dollars from me or get into my personal accounts or both. Thank you
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 498XX	Web
On XX/XX/, IC SYSTEM INC, XXXX XXXX XXXX , XXXX XXXX MN XXXX, XXXX, pulled my XXXX credit report as a Hard Inquiry. I received notification of this through my credit monitoring software. I immediately called IC SYSTEM INC and they told me they had no idea who I was and why they pulled my credit. The Rep hung up on me. I called back to talk to a different Rep. I was told the same thing. Both times I was told they did NOT know who I was after taking all of my personal info, DOB - SSN - Address - Email - Previous Address - etc, they found nothing. I called back again and spent another 45 minutes on the phone with a different Rep. Again having to provide ALL my personal info, only to be told... they can not find me. At this point I was able to talk to a Supervisor who - after " running me '' AGAIN, admitted he could not " find me '' and had " no idea '' why my info was pulled. I asked him to provide me a letter stating that, and he denied that request because " I still could be in there ''. He referred me to " XXXX and XXXX '' and I emailed XXXX at her request after I was able to speak with her. The email was sent to ConsumerAffairs@icsystem.com on Sat, XX/XX/XXXX, XXXX. She said : " Dear XXXX XXXX : Despite our best efforts we have been unable to identify any account in our system that matches the information provided. Our recommendation is that you dispute the inquiry with your credit bureau. That will require the credit bureaus to contact IC System to verify the inquiry. This communication is from a debt collector. Sincerely, Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I called XXXX and they said I had to have IC SYSTEM contact them to remove it. IC SYSTEM refused to do so.
07/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	UT 84065	Web
I received a bill for a medical debt that was supposed to be under review with my insurance. I was charged OUT OF NETWORK for an intensive care unit trip that I HAD NO ABILITY TO CHOOSE where to go. They took me to XXXX XXXX. I am a full time employee for the XXXX XXXX XXXX XXXXXXXX. I was found XXXX and the ambulance took me to the closest XXXX ( which at the time president trump had already signed the no surprise billing act but the date it went into effect is unclear ) I was brought to the XXXX XXXX XXXX and after becoming XXXX with my family there, I asked to be sent to thXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was stable, clear headed, and capable of making decisions. They told me I had to stay in the XXXX but their XXXX was full. I asked again if I could have my family take me and they refused and said I needed to get taken by ambulance ( another XXXX I paid ) to their other XXXX XXXX XXXX XXXX. I said I can not go there I will not be able to afford that. My father said I can drive him there at least and they refused again. I have been disputing this out-of-network debt ever since, and all the sudden without notice I am getting a letter from IC Systems medical debt collections . I thought they were still working on my bill? I have very good insurance this has to be a mistake. I can not afford another monthly payment type situation I am drowning in bills as is. It is not fair that I was brought and forced to stay at XXXX XXXX when they knew I had XXXX XXXX XXXX insurance and had even asked for that. This amount of {$3900.00} is not correct. I would have and should have met my out of pocket max, I can not and will not pay this because it is not correct. Please help me! XXXX XXXX
03/04/2020	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 HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
03/04/2020	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 32327	Web
THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 611XX	Web
Id been with this phone company for months & after about the 3rd month I realized that I had not been receiving the perks I was told Id receive if I switch to their company, Instead each month my bill was increased more and more because they had been switching my phone plan to the highest plan they had without my knowledge or consent. I contacted the phone asking about them switching my phone plan because I couldnt afford it, So they told me theyd have it fixed, they fixed it and gave me a promo on my next bill. Another 2 months come and the same thing happens again with them switching my phone plan, So at that point I was fed up, I had lost my job, got kicked out of where k was staying, and had to use the last money I had left to get a flight back to my hometown where my family was and helped me. I contacted the phone company and let them know that I wanted to get the phone service turned off and return the phones because I could no longer afford what they were doing to me, they tried to get me to stay if they bribed me with promo again, but this time that wasnt going to work for me so I said no, So they when ahead and approved my request, but told me that I might as well keep the phones because theyre going to make me pay for them still, and I responded ; even if I return them as they were when I bought them, and they told me yes, So I asked how much that would be and I was told that it would only be the installment plan I had on the phone which was roughly around {$25.00} a month, but instead they had continued to bill me as if I were still connected service wise with their phone company, Meaning I was receiving hundreds and later on thousands of dollars worth of bills from them.
06/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 79938	Web
I spoke with this company back in XXXX, I told them to send me proof that I owe this company. pursuant 15 USC 1692c ( b ) I never gave the company written permission to communicate with me concerning alleged debt. I.C. systems has placed this account on my credit report without notifying me about the proof of alleged debt, and have disregarded what the proof of alleged debt that I asked for. When they contacted me by phone at my work place. I.C.SYSTEMS continues to run my credit report without my permission, they have stolen my identity and they are selling securities using my name which is fraud under 18 usc 1348 selling securities and commodities. This XXXX company is in bankruptcy and I am still a customer with this company. I am aware of the certificate of indebtedness which XXXX and i.c systems uses assets on the trading market also they filed a 1099 c with the irs for all debts. yet failed to provide me with that 1099 c copy. I expect i.c.systems to be removed from all three of the credit reports immediately, and I also expect for XXXX to stop stealing my information and giving it to these companies because I know that they are in bankruptcy and it is illegal what they are doing. I am still a customer with this company. I have paid a deposit to be with the company BACK IN XXXX and now with the second attempt to collect a debt that I do not owe they steal my information to make money by selling my securities. My name is copyrighted and I do not appreciate them stealing from me. I will be contacting the sec. exchange and comptroller because this is out of hand. I am also aware that all debts are a obligation of the united states and that both companies have already been paid.
05/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30331	Web
I had an account with XXXX that was closed in XX/XX/2019 because the service didn't work. I returned all equipment that I could return and then COVID took place so the bill for the service was left outstanding. Recently, I spoke to IC System who sent a letter and disputed the amount owed and advised that they need to verify the debt. A few days later they placed the debt on my credit report. I paid the amount owed for service which was {$330.00} and they are refusing to update the balance they are reporting on my credit report of {$770.00}. I called and spoke to XXXX XXXX at XXXX XXXX est, who stated they will not update the credit report or remove the collection until the balance is paid or I settle for an additional {$160.00}. I also asked him to verify the debit and look into the dispute I placed about not owing the full balance they are reporting. XXXX said they are not going to make any changes or updates until I process payment for more money even if I don't owe the balance. When I asked to speak to a manager he was refusing to place one on the phone until I said I will take legal action against them. He then transferred me to XXXX XXXX who was extremely disrespectful because I corrected him on how to pronounce my name correctly and because I asked him the name of the previous representative. XXXX then stated that he was not going to talk to me and proceeded to disconnect the call before I could state my case. They are illegally trying to collect on a debt that is not owed, reporting incorrect information to the credit bureaus, and I do not owe IC Systems any money as I have never signed any agreement with them so they should not be reporting anything to my credit reports.
02/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 468XX	Web	Older American
On XXXX/XXXX/2013, XXXX ( at XXXX XXXX ) in XXXX XXXX, Indiana told me that my upcoming XXXX would cost me ( out of my pocket ) {$25.00} deductible and either {$12.00} or {$26.00} extra based on whether it was an easy XXXX or a difficult one. XXXX said that " the rest will be written off because of our contract with XXXX XXXX. '' They XXXX out on XXXX/XXXX/13. Afterwards, despite having what I was told was an easy XXXX, I was told that I owed the higher {$51.00} amount. Fine. So I paid it off before leaving the office that same day. Then, in XXXX, I get a bill from XXXX XXXX corporate office for another {$60.00}, still owed for my procedure!!!! I called XXXX at the XXXX XXXX office where I had my procedure done, and explained that I paid the bill in full ... ... .The {$51.00} that I was told was my share of the complete bill. She left the phone, and came back shortly. XXXX exact words to me when she returned to the phone was " Yes, you are correct. The total charge should have only been {$51.00}! '' which I had already paid! So I also called " XXXX '', back from the corporate office, and informed him what XXXX said. Next thing I know, I 'm getting another {$60.00} bill in XXXX 2013 from a DEBT COLLECTION company! So I called " XXXX '' from this IC SYSTEM debt collection company, and explained this entire scenario to her. I emphasized that XXXX, from XXXX, told me TWICE on 2 different occasions that my total bill of {$51.00} was paid up, and I owed nothing further!!! What kind of company is this " XXXX XXXX??? '' Now it 's affecting my CREDIT SCORE!! iT 'S GONE FROM XXXX DOWN TO XXXX! That 's not fair!! Please get back to me ASAP. I 'm considering calling the BBB. XXXX XXXX XXXX
11/06/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 727XX	Web
IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.
03/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AE XXXXX	Web	Servicemember
I have a property in XXXX, GA, managed through a management agency. The property management informed me in XX/XX/XXXX that the tenant had told them that the HVAC was not functioning. I worked with the property management to replace the HVAC unit by XX/XX/XXXX. In XX/XX/XXXX, my property had new property management, with the new management still having access to records from the old management. In XX/XX/XXXX and XX/XX/XXXX, I received several unresolved collection letters from I.C. Systems, Inc., about a past-due bill for {$560.00} for work that XXXX ( HVAC company ) had supposedly performed at my property. I reached out to the new property manager to inquire about the letter and the charges. The property management investigated the note and informed the HVAC company claimed to have performed work that was not approved by me. The property management showed me the statement from the old property management, indicating the actual HVAC work that I accepted and paid for out of my reserve funds from the management company. The property management informed me that the HVAC company did neither go through my old property management, the maintenance that worked with the property management ( XXXX XXXX ), or me to get this work done. They are charging me for a job that I did not request and did not approve, and I do not see a work order in the property management system matching the one on my bill. Unfortunately, I'm not sure of how I should go about disputing this collection, and it is a charge that I am not responsible for paying. I reached out to XXXX to find a resolution to the matter, but I was informed the bill had already been solved to the collection agency.
01/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43219	Web
I have a non-validated accout # XXXX that has been sold to your office. This is the third time I have had to have this old charged off account removed from my credit report. I have never done any business with IC SYSTEMS.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt IC SYSTEM purport I owe.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. XXXX COLLECTOR XXXX 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 XXXX 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 IC SYSTEM 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.
05/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89103	Web
As a review of my credit report. I dont recognize the account below Acct name I C Systems Inc Acct. numberXXXX Balance {$430.00} Be advised 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 XXXX 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 FCRA Violation of the FDCPA 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
06/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, IC SYSTEMS. I did not open or authorize the accounts that you report a balance of {$400.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
08/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95204	Web
I recently installed the XXXX XXXX app and started reviewing my credit report. I saw a collections report for an account with XXXX XXXX XXXX that was opened on XX/XX/XXXX and has an owed balance of {$280.00}. I did not open this account as I have been an XXXX customer for about 3 year 's. I am also participating in a program called the XXXX XXXX XXXX that provides internet / cellular service at a free or reduced rate for low income families. I have had free/ reduced internet through this program with XXXX for over 3 years and would not jeopardize my reduced plan by adding another service alongside my established service with XXXX XXXX About 4 years ago, I was the victim of identity theft and have an open case and fraud alerts with the FTC. I am assuming this XXXX XXXX XXXX is associated with my identity theft issue. I spoke to the collection agency today XX/XX/XXXX and spoke with a representative named XXXX who would not accept the information I provided to dispute this debt. I do have verified documentation to support this dispute. I spoke to XXXX XXXX XXXX, a rep named XXXX and was also met with mild discourtesy regarding the information I am providing to dispute this debt and no knowledge of this account. When I spoke to the collection agency, she verified my address as being XXXX XXXX XXXX XXXX XXXX CA XXXX. This is not correct. My address is XXXX XXXX XXXX XXXX XXXX CA XXXX. She also had an incorrect email address and phone number for me. I gave her the correct contact information. However, both entities are persistent about collecting this debt and refusing to accept or note the correct information I am trying to provide to dispute this account.
11/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30092	Web
The company, IC Systems, claim to have a debt in my name owed to XXXX in the amount of {$300.00}. I have never received any written notification by them or XXXX regarding this debt. I noticed this on my credit report from another collection agency reporting from XXXX. However, I have called this company and they claim the account was sent back to XXXX. Furthermore, I get in contact with XXXX and they claim that the account was never sent to them from the previous company before IC System took over. I got in contact with IC System and spoke to a very rude representative from their company. I verbally asked for a itemized statement to be sent to my home address, in order, to view what was owed and why to XXXX. The representative refused to mail the itemized statement which I thought under the FCRA that I have a right to get this information without this kind of harassment from a rep. He told me that they do not mail out itemized statements due to their policies? I told the rep over and over that I was going through a divorce and that I needed this statement for court ( martial debt to be split ) ; however, he refused and told me that " it doesnt matter if you are getting divorced, you still owe this ''. This rep was very unprofessional over the phone and refused to give me validation on the debt owed. I felt very disrespected by the rep and simply hung up on him because of it. IC Systems should not be reporting this to my credit without any proper notice whatsoever, considering they hire people described above that refuses to give out validation for a debt owed. This should be deleted completely and no further contact from this company to me.
05/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90029	Web
I had XXXX and when covid first hit we were no longer working so I disconnected my service to get the free service for low income since I was on public assistance because it was the height of the pandemic where thousands were dying a day there was no way to return equipment every the was closed and the rep that closed my account said there is nothing that can be done and that my account balance would be XXXX. Since then I've had 4 different collection agencies including the most recent that put the XXXX back on my credit reports each time it has been put on I dispute it the XXXX agencies remove it and then it passes to a new collection agencies it feels like a scam and the current one XXXX XXXX XXXX never contacted me no notice or phone calls nothing at all and less than six weeks ago it was a different collection agency I spoke with them exploit the situation and she claimed to dispute it on her end I never heard anything else from XX/XX/21 when we spoke and when I checked my credit since I was planning on moving I see that it bas now changed hands again and its this agency now I can't even move my credit is ruined and they have been doing this to me through I the entire pandemic even when I contracted XXXX and felt like I was XXXX I had to stop and dispute this while shivering with XXXX XXXX I would really like this to stop please make these people stop doing this too me my life was destroyed by contracting XXXX losing my job and now my credit is completely ruined because I never owe anyone no matter what I was going through financially I even took loans out that I'm still paying back now to survive and make sure I pay all my bills on time
04/02/2020	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	OK 74008	Web	Servicemember
Dear XXXX / XXXX : I am responding to your contact about a debt you are trying to collect. Please supply the information below so that I can be fully informed : Between XX/XX/2020 and XX/XX/2020, a new account in collections was added to your report. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX XXXX. This debt was removed over 3 years ago for lack to validation within 30 days by all 3 Credit reporting agencies. Please go back in history and check to see the deletion. Now IC Systems is reattaching the debt again 3 years later. THIS IS ILLEGAL Attaching the debt 3 years later also stretches the date, which is also against the Fair Credit Reporting Reporting Actwhich is also ILLEGAL. Please remove from all Credit reporting agencies and they after frauding the debt and the date When I wrote the company itself, I demanded a copy of they contract or bill, and they could provide neither and nothing, not even original creditor, date of debt. Which is irrelevant since the debt was never validated 3 years ago within 30 days and removed from all 3 Credit Agencies, and NOW is put back on with a new starting date ... all illegal according to the Credit Reporting Reporting Act I am unsure WHY when I disputed the debt, your company validated the debt with NOTHING to prove the debt was good. Especially after it was proven invalidated years ago, and removed. Somebody needs to do their job more carefully. This lowered my credit 49 points. I expect this debt to be removed from my credit report IMMEDIATELY. I will be filing a complaint with the : State of Oklahoma Attorney General, XXXX XXXX XXXX FBI XXXX Fraud Division
08/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11226	Web
An alleged debt was placed on my credit report from I C Systems without an notification before hand for the company XXXX. I called I C Systems and asked why I did not received any correspondence before the alleged was placed on my credit report. I C systems responded by claiming they had mailed a letter to a so call address that there are aware that I no longer lived. How do I know this, I C Systems updated my credit report with my most up to date address, this is proof that they indeed knew my correct address and refused to send me correspondence before placing an collections on my credit report. Another instance of how they do not follow the rules that govern them. Moreover I have proof that this alleged debt was paid to the original creditor, and therefore I do not owe the debt that is being reported on my credit report by I C systems. I called I C Systems to rectify this problem and they have no interest in doing so which forces me to write this complaint. Attached is a copy of my XXXX receipts, along with the confirmations numbers and tickets numbers. This alleged debt is to be removed immediately as it is fraudulent. Neither is the alleged debt to be updated to paid in full as the debt was NOT paid to the collection agency but to the original creditor. Payment information First Payment Confirmation # XXXX Second Payment Confirmation # XXXX First Ticket # XXXX Second Ticket # XXXX Total Amount Paid {$160.00} Total Amount Due {$0.00} Please see attached details attached below with copy of receipt from the original creditor. NOTE this is the XXXX ( XXXX ) complaint filed with the Consumer Financial Protection Bureau with this company
12/28/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	GA 30309	Web
I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 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. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX , the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
05/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11205	Web
I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? furthermore I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
03/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34208	Web
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also read the attached letter and review all of the violations by your company
02/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89121	Web
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
01/09/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 185XX	Web
I had visited a local ER ( emergency room ) for treatment in late XX/XX/2019. Part of the total bill during that visit was to be paid to the provider who treated me. That provider is represented by XX/XX/XXXX XXXX XXXX, XXXX. The total amount to be collected was {$640.00}. Initially, there was no diagnostic code on the bill, to which I contacted the company 2 times in order to get that CPT code. The code was then emailed to me, but never put on the bill. Initially, when I called the first time, the company ( XX/XX/XXXX XXXX XXXX XXXX ) said that they were not allowed to give me the diagnosis code and that in order to get that code, I had to call the hospital to get that information because they were not allowed to give it to me. In essence, they wanted me to pay for something for which no service code was on the bill. After I paid {$50.00} to the bill, I received a statement on XX/XX/19, which reflected the new amount of {$590.00}. After 1 month passed, I then received a collection notice by I.C. System saying that I had the {$590.00} balance owed and that I needed to contact them in order to pay my bill. I was confused because I had just recently paid XXXX XX/XX/XXXX XXXX XXXX XXXX a total of {$50.00} in XXXX, and just a little over a month later, now my account was suddenly put into collections. It didn't make sense. I called I.C. system, and paid another {$50.00} on the account, making the new balance {$540.00}. However, after I made that payment, I.C. system did not send me a new statement or even an electronic receipt of the payment I had made. It all seems very shady and I'm worried that this just a scam to be honest.
02/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92626	Web	Servicemember
This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is supposed to cover. Furthermore, I am military personnel with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
02/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92626	Web	Servicemember
This is a request for assistance with the Consumer Financial Protection Bureau for unfair credit reporting and debt collection practice from the original creditor and debt collection agency. The original creditor named : XXXX XXXX submitted a debt to be collected to the debt collection agency named : IC System for an amount of {$150.00} The original creditor has never made an attempt to submit a billing statement and details of the medical debt to my home of residence. There was never a detailed information about the age of the debt and the amount owed based on the services that was supposed to have been performed. There was never an attempt by the original creditor to separate the amount owed in comparison to what my medical insurance is suppose to cover. Furthermore, I am a XXXX XXXX with full medical and dental coverage to include a full coverage of a supplemental medical insurance from a separate insurance entity. Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.
07/04/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 070XX	Web
IC System is trying to collect a debt that XXXX XXXX XXXX has placed with them. XXXX XXXX iis commiting fraud as he misled my wife to bring my XXXX XXXX XXXX for a visit on XX/XX/XXXX. He confirmed he accepted XXXX XXXX and the visit would be covered. He fraudently diagnosed the visit for a XXXX XXXX although my daughter had an XXXX and XXXX XXXX We have XXXX XXXX XXXX ( so why would i got to XXXX XXXX XXXX who is an XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX confirmed the below two cases, when i asked fo review of the claim XX/XX/XXXX XXXX XXXX ( reference number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$170.00} ) and billed for XXXX ( {$60.00} ) - Total {$230.00} ) Submitted Appeal - Explaining the context of visit and that i have XXXX XXXX and while Vision is not a covered service, I went to doctor for an XXXX XXXX Doctor has to billed XX/XX/XXXX Appeal was approved. Same outcome with claim getting processed as XXXX XXXX. XXXX ( Supervisor - XXXX ( EXXXX XXXX XXXX Ref # XXXX She will review with appeals team and revert on what is the best action forward I have also submitted a complaints to Board of Medical Examiners, a subsidiary of the New Jersey Division of Consumer Affairs. Division of Consumer Affairs State Board of Medical Examiners XXXX XXXX XXXX XXXX, XXXX XXXX I let IC System agent know that XXXX XXXX has reviewed the claim and determined inconsisent claim information provided XXXX XXXX XXXX XXXX. In addition, i have filed a complaint with NJ Division of Consumer Affairs and as per Fair Debt Collection Practices Act ( FDCPA ), i should not be harassed for the fraud that XXXX XXXX XXXX is committing...
11/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NM 87120	Web
I canceled my internet service with XXXX XXXX in XX/XX/XXXX, and remitted payment for my final outstanding balance in XXXX XXXX. At this time I was given confirmation that my account was close, with a XXXX balance and in good standing with XXXX XXXX. I returned the router as requested and that was it. On XX/XX/XXXX, I received a credit alert advising me that a new collection account was open under my personal information. XXXX XXXX transferred a debt in the amount of {$100.00} to I.C Systems. Please be advised that I never received a bill, a late noticed of any kind by XXXX XXXX or I.C Systems given me no opportunity to dispute the debit prior to negatively impacting my credit report. Following the credit alert I contacted XXXX XXXX XXXX Customer Care team, after speaking with several representative I spoke with XXXX. He was great, helpful and took the time to review my concerns properly. He let me know that the {$100.00} charge was for the router. Although they could confirm that the router was delivered, it reflected delivered two days after the allotted return timeframe. Considering that they have possession of the equipment, he moved forward to issuing a credit for the outstanding balance of {$100.00}. I was advised to contact XXXX XXXX on Monday to get confirmation that the account was closed, with a XXXX balance and that they instructed the third party collection agency to delete all negative reporting associated to the debt. Well on Monday XX/XX/XXXX, I was told the credit was there reflecting as pending approval and that I should call again in a few days. I called again on XX/XX/XXXX, and I was given the same story.
06/18/2021	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 313XX	Web
I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. No contracts exist ... Account was settled with creditor, ( no valid claims ) I want it removed. False information is being reported. Debt can not be collected twice.It was removed and re-inserted without notification which is requires by law, violation of FCRA law. I challenge the accuracy, compliance and reportability of this listing.F.C.R.A. violation. re-inserted without notifing me.Remove or litigation will followsettled all accounts with original creditor. I C System {$580.00} I C System {$360.00} I C System {$360.00} 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 items are inaccurate and incomplete and represents a very serious error in your reporting. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
03/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90621	Web	Older American
Hope and pray that this complaint will find you and your family in the best of health and happiness. I am XXXX XXXX XXXX American citizen and never ever had a problem like this in my whole life. I had excellent history of my credit score. yesterday I got bank account alert about my credit Secore has been decreased from XXXX to XXXX XXXX on XXXX. They have sent debit dispute to all three credit agencies, with out my knowledge. This was on my bank credit journey report. " I.C. SYSTEM, INC It looks like your account with I.C. SYSTEM, INC received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. " I called I C System XXXX and was connected with XXXX XXXX / XXXX XXXX and I asked her about why the have added my XXXX disputed amount of {$XXXX} on XXXX XXXX. to 3 credit score agencies. They are first collector who have not contacted me. Before them 3 or 4 all have contacted me and I have given them reply. After that no one has contacted me and I thought that this case has been closed. I have not received any letter or phone call from them. She said that she will mail me letter and she also said that I have an offer to settle this for {XXXX According to your website They have to call me which they did not. They have even my email as well in there system and they have not contacted me. What I need your help to please ask them to remove this from all 3 credit score agencies. As to my understanding They have not followed instruction and rules laid down by consumer finance department. CFPB. Your help in this connection will be highly appreciated.
03/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37027	Web
We had XXXX install our internet in XXXX of 2020 at our XXXX house. They did a terrible job of the installation. They ran the disc by the driveway leaning over, ran the cable over the driveway. The system never worked and within a week, the cable was torn over the driveway and the disc was leaning over. I called the company about fixing it, and I could not get them to respond. I finally just asked them to cancel it because it wasn't working. We NEVER got internet. They told me I would have to pay a {$360.00} cancellation fee. I responded by saying that contracts work both ways and they have a responsibility to fix the service or cancel. The girl suggested I suspend the service which I did. I forgot about the service. We used our hot spot on our phone and the account came out of suspension came in XXXX of XXXX. I asked them at that time to come get their equipment. They refused. They did ask me to mail back on turn in the XXXX box. I think that box got thrown away. We forgot it belonged to that service because it didn't work and disconnected it completely. I took responsibility for the box and said I would pay them the {$300.00} to cover the cost of the box, but I was refusing to pay for service I never received. They continue to send me debt collection and have creditors call me. I have disputed in writing twice and by phone. Once on the phone I offered the {$300.00} to cover the cost of the box because that is what they told me the box cost. They refused the {$300.00} payment. I am standing my ground on principal alone. They didn't provide a service, and I shouldn't be XXXX into paying for something I never received.
08/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37918	Web
IC Systems and XXXX XXXX has continued to harass me for a debt not owed. This has been removed from a credit report years ago only to show back up on my report years later. A salesman called me one day representing XXXX XXXX XXXX. ( I do not recall now what yearn it was ). He told me that he could switch me for my then current service provider ( XXXX ) for a promotional fee of some sort. ( I do not recall ). He said that he worked directly with XXXX as well and could return my current equipment and switch the service. ( I found out later from XXXX that XXXX had nothing to do with their services. A tech had already come out and installed a dish. The dish was not installed at the location the salesperson and I discussed, and I did not have the promotional services as discussed with the salesperson. I immediately called cancelled services and requested equipment pick-up. On top of the false advertisements and fraudulent sales tactics used, XXXX attempted to withdrawal funds that I did not authorize from my bank account. ( I was able at the time to reverse the charges ). I did at one time speak to someone in accounting at XXXX who claimed to make all adjustments needed and resolve the problem. Only to see it on my credit report like a year later. I complained and it removed. Now years later it shows up again. I am sick of the issue and both the creditor and XXXX XXXX XXXX contention to continue to harass. On top of all that< I have not received a collection letter or a phone call from IC Systems since it was removed from my credit report years ago. Absolutely negligent and a disregard for people 's rights.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 210XX	Web
I, XXXX XXXX, hired XXXX XXXX by contract to install floors in my home. They installed the wrong color grout on my floors and incorrectly installed molding ( other issues aside ). I ask XXXX XXXX to fix this as per the contract, and made 7 appointments for XXXXXXXX XXXX to fix the problem. XXXX XXXX failed to make these appointments without notice before the appointment. I called XXXX XXXX the day before the last 3 appointments and confirmed the appointment with them, but they failed to show or notify me. For the last appointment, which I confirmed with them and I stated that I would dispute the charge of {$8400.00} if they did not show up. I had to take paid time of ( PTO ) for each of these appointments and had no PTO left to take off for additional appointments. I disputed the charge with my credit card company, XXXX XXXX XXXX, and after several communications and document exchanges they refunded me the charge. XXXX XXXX did not attempt to contact me or fix my floors per the contract until the charge of {$8400.00} was refunded. XXXX XXXX offered partial compensation for the floors, but the amounts they offered would not cover the cost. XXXX XXXX then sent the information to IC Systems who then registered it with the credit reporting agencies as an unpaid overdue debt. This is not a debt! It is a failure of a contractor to fulfill a contract. I disputed this debt with XXXX and they would not reverse it as they confirmed it as debt. As you can see by all the documentation that I provided, this should never have been reported to the credit agencies as a debt. XXXX was also sent all this information.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75068	Web	Servicemember
To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt removal of a collection account that is inaccurately reported on my credit report. Your immediate attention to this matter is required. The collection account in question is as follows : Creditor : I.C. System, Inc Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned collection account is being reported with an open date of XX/XX/XXXX. This is a gross misrepresentation of the facts, as I terminated my XXXXXXXX XXXX in XXXX and dutifully returned all equipment associated with my account. The continued presence of this erroneous collection account on my credit report is causing significant harm to my financial well-being. Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly delete the account from my credit report. In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to remove the account from my credit report and notify me of the changes made. I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
06/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AL 35401	Web
XXXX certified letters within a 60 day period to I.C. System, Inc. has failed to provide the following requested information to validate alleged debts:1. Signed credit applications between myself and the original creditor2. Copies of all signed vouchers from the date accounts opened until default3. Copies of all statements from the date accounts opened until default4. Proof of the statue of limitations5. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) or6. A copy of the contracts I.C. System, Inc. purchased the alleged debts7. If the alleged debts were purchased, provide a copy of agreements between I.C. System, Inc. and myself, signed by me, stating that I have a contractual responsibility to I.C. System, Inc. for the alleged debts8.Provide proof that I.C. System, Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from I.C. System, Inc. I.C. System, Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a {$2500.00} fine. Please advise I.C. System, Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
08/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web	Servicemember
I XXXX XXXX made MANY calls to this collection agency in regards to their business being placed on my credit report ... I was directed to their website to make payments in which I have done just as I was told.. as per request I asked to speak to a member of management in regards to the fact that I C System still to this day is currently on my Credit report and all FOR THE LAST PAST 2 MONTHS ... I 've been told JUST ABOUT ANY THING JUST TO GET ME OFF THE CALL AS I REQUESTED FOR A MEMBER OF MANAGEMENT FOR HELP ..., AS I 'VE BEEN PROMISED I C System sent notification to ALL 3 Major Credit Reporting Bureaus to update their systems via account PAID / PAYMENTS .. I was also promised to receive a copy of the notice via regular mail / fax / email.. THE EMAIL THAT WAS SENT WAS BLANK!!! as to this day I have not receive ANY notices and the fact I made very clear to TEAM LEADER ( XXXX ) ID # XXXX .. I. C SYSTEM INBOUND CALL REPS ARE RUDE AND VERY DISRESPECTFUL.. I REALLY WANT I. C. SYSTEM OFF MY CREDIT REPORT ASAP AS TO THEY HAVE SENT THIS ACCOUNT BACK TO ATT/DIRECT TV.. WHOM I AM FOLLOW UP WITH AS OF XXXX I ( XXXX ) SPOKE w/ ( XXXX ) ID # XXXX XXXX/ XXXX XXXX BILL Location XXXX XXXX XXXX Name/Serial # ( XXXX ) *** dcd : XX/XX/XXXX / Service : XXXX ... I. C SYTEEM IS CURRENTLY STILL ON MY CREDIT REPORT AND IS NO LONGER COLLECTING ON THIS ACCOUNT FOR ATT/DIRECT TV.. THE TEAM LEADER PROMISED THAT HE WOULD FAX ME PROOF THE COMPANY REQUEST THIER COLLECTIONS TO BE REMOVED FROM REPORTING 3 MAJOR CREIDT REPORTING BUREAUS WHICH I 'VE NOT RECIEVED PROOF OF STILL TO THIS DAY.. I. C SYSTEM REFRENCE # XXXX Full amount {$320.00}
07/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76092	Web
I C Systems have been reporting an erroneous Collection account under my XXXX credit file for sometime. I sent them 2 letters via U.S. Mail and both letters have gone unanswered. I mailed the letter to them to their offices in XXXX XXXX, Minnesota as per their website. ( ICSystem.com ). They are willfully in violation of the Fair Debt Collection Practices Act ( FDCPA ) and also the Texas Fair Debt Collection Practices Act ( State XXXX XXXX ). They have failed to provide verification of this alleged debt. The FDCPA states " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor ''. They have failed and I have given them now over 60 days. As of today, I have formally sent a complaint to the Federal Trade Commission, the Texas Attorney General 's Office and also have made contact with a Law Firm to see what my options are. I will be suing for willful violation of all Acts and also sue for financial harm since I have been turned down for credit after applying for credit and having this frivolous trade-in on my credit report. They have until the close of business of XX/XX/2018 or I will file a personal lawsuit against IC Systems or have my outside counsel file a lawsuit. Thanks, XXXX XXXX XXXX, XXXX.
07/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91601	Web
Hi there, thank you for your time in advanced! My issue- I had a plan with XXXX XXXX for a few years. I decided to close the plan I had an switch over to a pre paid account because every month it seemed there was some hidden charge. Before I switched over to my new plan I had {$200.00} left to pay on my old one. I could not pay all of that at once so the accountants at XXXX XXXX said they could set me up on a payment plan of 4 payments of {$50.00}. I had been paying the {$50.00} payments for the last 3 months. On the XXXX month it was time to pay my last {$50.00}. When I called in to pay it, the woman on the other end told me I still owed {$200.00}. I informed her that I had set up a payment play a few months back and I have been making {$50.00} payments for the last 3 months. She told me she sees no history of that!! I had been calling in to make the payments instead of going online because I was told the payment plan option was not available online! With this said, that left me with NO receipts to go back to and show proof of my payments. After the woman telling me she see no payment history for me and I had no receipts to show, I felt very discouraged and let down that XXXX XXXX would be so careless. The woman I spoke to either had no idea what she was doing or XXXX XXXX all around messed up and something did not get recorded properly. This all happened almost TWO years ago and is now showing I owe a debt collector. I called the XXXX XXXX many times along with the debt collector and no one can seem to help. I am hoping cfpb can help me finally get this squared away. Thank you for your time!
09/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10512	Web
There is an an address on 2 of my credit reporting company reports XXXX and XXXX with an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, which I've never heard or nor have i ever lived there. I'm also dealing with a company called I.C. Systems, a debt collection agency working on behalf of XXXX XXXX- They say that I opened an account in XX/XX/18 with them but that's impossible, since I've lived with my parents over the last 8 years at XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX, XXXX, NY XXXX and there was never any XXXX XXXX service and they weren't even my personal homes- It seems as though either they have a mistaken identity problem of someone that has resided or used that address in XXXX XXXX, NY or they have made a serious mistake and falsely have me as opening a XXXX XXXX account -The debt collection company is now called I.C. Systems and they have the wrong person and they have ruined my credit score and they would need to show proof that their was an account opened on the day they set on both XXXX and XXXX that I am liable for an account that I never opened and I have yet to see any proof from them indicating such- I would like to see paperwork/documents of me opening an account with XXXX XXXX on the date they have given of XX/XX/18, that I never even opened! Either they have made a terrible mistake and need to correct it immediately by taking my name and information off that account or someone else has used my personal info and their is a data breach or mistaken/taken identity here and this could be fraud! I ask, you that you please look into this further! thank you-XXXX XXXX
05/01/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 385XX	Web	Servicemember
This is for a XXXX XXXX bill from XXXX. The new collection company erased the old debt and created and new debt starting in XXXX. When I contacted the company to dispute that his account was old and not new, they told kept trying to get me to just pay their amount. The supervisor confirmed that the debt was started in XXXX and not XXXX and that they were reporting it as such, but they are not. She went on to claim that it was the credit bureaus fault, not theirs. However, when I then told her that if what she is saying is true, then in two years her account would disappear off my credit because the account is 5 years old, and negative items would come off my credit after 7 years. She proceeded to tell me that wasn't true and those items don't come off your credit. I told her she was the first person to ever tell me that. She then told me that the only way it would come off the report is if they reported it as paid, again tried to get me to pay. I again told her that two different mortgage companies were telling me that it was showing up as a new debt as well as myself looking at what they submitted to the credit bureau. She ignored what I was saying and again blamed the credit bureau, confirmed again that the account was from XXXX, and that they reported it that way, but that they also submitted the XXXX date to the credit bureau. This is obviously a tactic that this company uses to get people to call in and pay the note, even though it's an extremely old note. I told her that I would have actually considered paying it off if their practices were not blatantly shady and possibly even illegal.
06/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 548XX	Web	Servicemember
On XX/XX/XXXX, in a conference call with myself and the insurance provider, XXXXXXXX XXXX became aware that the fraudulent insurance claim they submitted was not eligible for payment and they agreed to stop trying to collect any more money for this {$18000.00} bill for services not provided and refund the {$13000.00} that was collected on this charge. After time had passed and I did not get a check, I called back on in XXXX and the patient accounts lead confirmed that she had forwarded this account to legal and that they should have drafted the refund by now, but she did not know why they didn't and didn't have a time frame. After this, legal sent a gag letter saying we were not allowed to call and that we would have to submit more communication in writing. We did submit more than one certified letter after this and they never responded. They did not respond to the state consumer protection complaint either. They submitted bills for services in XX/XX/XXXX and we disputed the bills because they still owed a refund via certified mail and the dispute was not acknowleged or responded to. We sent written follow up in the medical chart as well and it was not responded to other than saying " we aren't allowed to respond to you '', and then 2 more letters were sent with no response. Then we recieved a notice from a collection agency for the debt and we sent them a certified mail dispute and this collection agency did not acknowlege or respond to the dispute either. The collection agency is IC System with reference number XXXX and the dispute was sent with tracking USPS XXXX XXXX XXXX XXXX XXXX XXXX
07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60617	Web
I made final payments to my previously owned XXXX XXXX XXXX network account back in XXXX, XXXX and XXXX, XXXX. The account was closed by XX/XX/XXXX/XX/XX/XXXX for I went with a different service. From XX/XX/XXXX until XXXX, XXXX I have made several calls to both entities, as well as had a conference call on several occasions with customer service reps from both XXXX XXXX XXXX and XXXX XXXX. On many occasions, the XXXX representatives informed the XXXX XXXX XXXX reps that their balance is paid in full and no more money is owed to them. XXXX XXXX XXXX would bill for both their service & XXXX service, XXXX required 2 month payments in advance and the due dates were never aligned, which made the billing difficult to understand let alone know who was due when. XXXX XXXX XXXX was paid their final balance, XXXX network informed them they are owed no more money and XXXX XXXX XXXX refuse to take responsibility for their human error in processing my final bill, which was a total of {$100.00}. Since then, my credit score has had fluctuating scores like a " see-saw '' every 2-3 months due to XXXX XXXX XXXX hiring a new collection agency, or collection agencies buying this account from each other, which makes it very difficult to maintain my excellent and hardworking credit score of XXXX. Every time a new collection agency place their collection on my credit report I have to contact the agencies to have it investigated and every, single time it is removed or deleted. I feel I am being harassed by these several collection agencies and XXXX XXXX XXXX to collect a debt that has already been paid in full.
04/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30263	Web
To whom it may concern, I had two XXXX one dated XX/XX/XXXXXXXX the other dated XXXX XXXX. I received a call in XXXX from a collection agency to pay the remaining balance of {$400.00} that they quoted me. I have the receipt in my XXXX account transaction record for a payment to IC System on XX/XX/XXXX the company in question which I have attached below. I assumed the account to be paid in full and received no further communication that I can recall either phone or mail. Today ( XX/XX/XXXX ) I received a call from the collection agency stating I owed them {$400.00} for the services rendered on the above dates. I informed them that I would return their call after checking my records that I believed that bill to be paid. As it had been over a year I had not given it much thought in some time. After finding the payment in my HSA account I contacted the provider XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The agent looked up my account and initially told me that the XX/XX/XXXX date I still owed {$100.00} and that XX/XX/XXXX was paid in full. He then asked to place me on hold to check the account further. After he returned to the line he stated that I actually only owed {$56.00} and he saw it turned over to collection to IC System in XXXX of XXXX with no further info after that. I have not received any itemized bills for this nor any other communication that any balance remained from either the provider or the collection agency until today a year and a half later. I was also not been given an account number or any type of identification for the actual account by either party during today 's calls.
04/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 347XX	Web
On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77092	Web
I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, he original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AL 357XX	Web	Servicemember
I C Systems placed a {$450.00} debt that was from XXXX XX/XX/2010 - XX/XX/2010 on my credit report. I had no knowledge of this bill until I received an alert from XXXX credit monitoring service that I even owed this balance. I called I C Systems today and was then told about the debt. They claimed to have sent notice of collections to a previous post office box that I had in Arizona. However, ALL of the information on my credit report is correct. Therefore, if they wanted to contact me about this, my current address is listed on all XXXX bureaus. They could 've also called me, because my current phone number is on all three reports as well. Instead of conducting business the correct way, they went ahead and placed this on my report without properly contacting me and giving me a chance to dispute this. This is unacceptable. My score has dropped XXXX points because of this. Furthermore, the statute of limitations is up for this debt. And they are still trying to collect anyway KNOWING that the statute of limitations is 7 years for this type of debt. Just pitiful. I have sent I C Systems an email letting them know that I am reporting them to the CFPB. Had I not seen this on my credit report, it would 've SAT there. I 've worked entirely TOOOOOOO hard to restore my credit and will continue to work to keep it secure. I have a severe disgust for companies that do things like this and I would like immediate action taken to not only have this DELETED from my credit reports, but this company needs to be fined. Cause if they 're doing this to me, they 're doing it to other people.
09/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92883	Web
I.C. SYSTEM, INC is reporting an account on my credit report with XXXX XXXX XXXX by three different names with different information on each report. This account reporting states a {$920.00} collection account however I do not have knowledge of signing an agreement with terms and conditions with I.C. SYSTEM, INC. According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. In summary I.C. SYSTEM, INC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state. I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.
05/18/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30318	Web
*NOT A DUPLICATE COMPLAINT* *NEW COMPLAINT* I have federally protected consumer rights under the Federal Debt Collections Practices Act. I am entitled to the information in 15 usc 1692g in order validate the debt. Please provide the five pieces of information below. 15 U.S. Code 1692g - Validation of debts ( 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. So far your agency has failed to provide the required debt validation.
11/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40475	Web	Older American, Servicemember
Creditor : XXXX XXXX XXXX CELLULAR SALES ) XXXX, XX/XX/XXXX Amount {$78.00} Debt Collector Company : I.C. System, Inc. On XXXX XX/XX/2019 denied Service for paid cellphone ( OTHER number was suspended by Registered Owner - not in use ) Account was reactivated After This customer Cancelled Services due to denial of Services to Cellphone paid FOR ( 1 ). XXXX did Not Honor the Contract from XX/XX/2019 XXXX Agents XXXX XXXX XXXX and XXXX XXXX XXXX XXXX claimed No Contract - month-to-month, and due to Denial of Service This Customer Responded in person, as well as * responded to FIRST Collection Agency with a Certified Return Receipt and sent copy to Cellular Sales in XXXX, XXXX CELLPHONE NUMBERS were NOT Registered or in USE by the paying Customer. Identity THEFT was reported, cancelled due to Denial of Service in person - AND XXXX XXXX, manager would NOT correct. In fact, the number USED for a TABLET was Reactivated and in USE AFTER it WAS deactivated - within 15 days. Signed Contract from XX/XX/2019 disappeared - but the Tablet number remained Busy using XXXX XXXX XXXX former owner of our residence for XXXX XXXX. XXXX XXXX owes the Customer for paid SERVICE not provided for ( XXXX ) : Customer was DENIED on XXXX XX/XX/2019 yet it was PAID " A month in advance '' - 2 billing schedules. In FACT, on XX/XX/2019, CUSTOMER ( paid in FULL ) and XXXX ADDED Charges and Switched Carrier to Dual with added VPN services. SENT bills to a Unit # 10 - connected to UPS Mailbox in XXXX, XX/XX/XXXX - ( Never REQUESTED Or Registered by Resident and Owner of PROPERTY. IDENTITY THEFT ONLINE.
10/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95815	Web
I have an unverified account from IC System. I had previously disputed this account. I have never done business with IC System. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I have an unverified account from IC System. I had previously disputed this account. I have never done business with IC System. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC System provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. Please provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
08/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN XXXXX	Web	Older American, Servicemember
On XX/XX/2023 I received and internal secured message from I.C. Systems so I followed their instructions, thinking that they were responding to my complaint that I had just filed with theCFPB on an alleged debt and their collection practices. I opened the secured message and saw that they were returning an alleged account back to XXXX and that no further collections will be attempted. If I had any questions I could call the number listed. So I called the number just to ask the question about the removal of the damaged collection account that had been placed on my credit reports. The I.C. Systems representative tried to transfer me to another section that the pop-up on her screen told her to but no answer. I call back later and went through the same steps and finally reached someone in that specific section. I asked how they planned to remove the collection account from my credit report, per the account information and reference information that I provided to them. They responded eventually with the fact that they dont report for XXXX but for XXXX and I asked what XXXX account, because I hadnt received any type of communication via mail or phone calls concerning an alleged debt owed to XXXX. So I ended the call. Upon my further research I did see that I.C. Systems had placed a collection account on my credit report for an alleged debt that I had no knowledge of or had received any type of communication concerning it. I reviewed XXXX 3 bureaus reports for XX/XX/XXXX ; XX/XX/XXXX where there werent any collections accounts but it appeared on XXXX report dated XX/XX/.
02/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48076	Web
XX/XX/2017, I placed an order with XXXX via XXXX ; leasing a new device, and establishing a line of service ending in XXXX. I was migrating my existing line and existing device from a company line to a personal line. I ended the company line. I was given a temporary line ( XXXX ) while they completed the migration of my existing line, and was told upon completion it would replace the temporary line. That did not happen. The customer service representative kept a second line open against my permission, Then made it look like I requested cancellation so Id be charged an Early Termination Fee. I contacted XXXX XX/XX/2017 and reported their error. I was then told I was responsible for the early termination fee. Of course I refused due to their misstep in transferring my service. They would not fix it. So I made a complaint to the Better Business Bureau. Complaint # XXXX. I spoke to XXXX several times via email about my complaint. He lied to BBB saying he never heard from me, which automatically closes the case and the account went to collections for {$440.00}. I. C. Systems, Inc then increased the charge to {$460.00}. Which is illegal. I have the emails of correspondence which I will attach. I would like this collection account deleted immediately from my XXXX credit report and never added again to any of my credit history with all three bureaus. The fact they did not own their mistake and then the collection agency taxing on more money is horrible. I have disputed several times over the years to no avail. I recently discovered CFPB so here I am making this complaint.
11/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43219	Web
This is my second dispute notice, You, I C SYSTEM INC # XXXX must be a Third-Party Debt Collector and I do not give you permission to interfere in My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, I C SYSTEM INC # XXXX are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default is entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to I C SYSTEM INC # XXXX to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with I C SYSTEM INC # XXXX.
07/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60453	Web
I received a letter ( dated XX/XX/2021 ) from IC System stating that I owed {$270.00} to XXXX, who is both the original and current creditor to whom the alleged debt is owed ( lanuguage from the letter that was sent ). I immediately sent out a debt validation letter by way of certified mail with return receipt ( tracking # XXXX with RR # XXXX ). I have attached copies of confirmation of certified mail receipt. I never received a response back. I have studied the FDCPA and it says under the FDCPA, the debt collector must respond if a consumer disputes the alleged debt in writing. I have attached the exact same letter that I sent to IC System detailing very specific documentation of the validation of the alleged debt. I sent a follow-up debt validation letter to IC System on XX/XX/2021. It was received XX/XX/2021. IC System then sent another debt collector notice with a COMPLETELY different amount ( {$370.00} ) stating that I now owed {$370.00} and they sent copies of a printed out bill as verification of the alleged debt. Under the FDCPA, a printed bill is not sufficient validation of an alleged debt. They did not provide the documentation I requested including a contract with my written signature and they PUT A NEGATIVE REMARK ON MY CREDIT FILE EVEN AFTER I EXPRESSED THEM NOT TO IN MY DEBT VALIDATION LETTERS. In the follow up debt validation letter I sent I pointed out that IC System, INC is NOT licensed to collect on debt in my state of residence. Under Illinois law, debt collectors have to be licensed with the Department of Financial and Professional Regulation.
06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28110	Web
XXXX XXXX services sent me to collections for {$110.00}, they claimed I never returned my residential account equipment when they installed my business account in the same address. I changed from residential services to business account in XX/XX/XXXX. They waited over 1.5 years to inform me of this un-returned equipment. after they research the equipment and realized I didn't have it they removed the balance they claimed I owe them. Nevertheless, they already had send me to collections. The collections Agency is called IC System and they work for XXXX as their collector. IC system illegally reported erroneous information to my credit which is affecting my ability to obtain new contract in the line of business I work in. Now, it has been six months I've asking XXXX to provide me with some type of documentation to proof IC systems I don't own this money. XXXX have submitted numerous amount of tickets with the intent to inform IC systems i dont owe them this money. However, this tickets have lead to no resolutions. XXXX refuses to call IC Systems and IC system say they dont call their clients to confirm the account status. I do have recorded conversations where they acknoledge they cant provide me with written documentation to resolved my dispute ; also, i have recorded my conversation with ic system where they acknowledge that they dont call XXXX. If they are doing this to me, i am sure they are doing it to other consumers as well. please, help me in getting this resolved and help consumers not having to jump thru hoops to be treated respectfully and fairly.
12/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92618	Web
Dear CFPB, I am writing to dispute the following information that XXXX XXXX XXXX and IC System supplied to XXXX, XXXX, and XXXX. I have attached the item I dispute on the attached copy of my credit report ( XXXX ). This item XXXX XXXX XXXX is inaccurate because this account was paid in full, and the equipment was returned to the company am requesting that XXXX XXXX XXXX have the item removed. I contacted XXXX several times to try to get assistance from them and was not successful. They responded that they had submitted all the documents to IC Sytems, and when I spoke to IC System and notified me that they didn't receive anything from XXXX. ( I have attached a screenshot of how many times I submitted the dispute without resolution. ) I contacted IC System and notified them that the debit of XXXX dollars was invalid because I returned the equipment, and the account was paid in full. They responded that this was not for equipment its for an unpaid bill. I asked them several times to send me proof of nonpayment, and they refused to do so. I contacted XXXX XXXX XXXX and spoke to several representatives, and when they looked into the account and verified that the equipment was returned and that it was paid in full but didn't want to do anything about it. I also have attached an email from a different debt collector where they attempted to put in collections for the same account but dropped it because they investigated the account and found that I did return the equipment and paid in full. I will be attaching what I have sent to XXXX. Best Regards, XXXX XXXX
07/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30017	Web	Servicemember
On XX/XX/XXXX I was notified by my credit monitoring system that IC Systems placed a collection on my credit report with XXXX. I immediately called and spoke with their representative XXXX XXXX on the same day. XXXX XXXX informed me the account was in reference to XXXX from XX/XX/XXXX. I informed XXXX XXXX that not only have I not received any communication about this debt prior to this account being placed on my account but I was in fact disputing the account as I did not owe XXXX any debt. XXXX XXXX informed me that communication was sent to an address that I have not lived at in over ten years and in a different state, and to an email address I have not used as well. This information was further confirmed by XXXX XXXX XXXX who acted as her manager during the call. I notified them verbally as well as written that they are in violation and have to report something to my credit without communicating with me. I verbally requested the account be disputed and removed for cause and they told me it would not even though they did not follow correct procedures. According to the Fair Credit Reporting Act and fair debt collection practices Act they are required by law to communicate the matter to me prior to placing an item on my credit. The recorded conversation clearly states it was not communicated. I want this account immediately removed from my credit report. This action is fraud and I will take action per federal and state laws including Violation of the fair debt Collections Practices XXXX and defamation of Character. A case will be initiated through the CFPB.
09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75287	Web
I received a call at XXXX CST XXXX/XXXX/2016 from XXXX, when answered, there was no one on the other end of the line, then the call disconnected from the caller 's end, forcing me to call back. When I finally got in touch with someone, I do n't feel they properly verified my information prior to disclosing what the call was regarding, then proceeded to attempt to collect a debt that is no longer in collections on my credit report. I view my credit report monthly, and can assure that this particular item fell off months ago. I advised the representative that this was no longer listed on my credit report and did n't want to be contacted again. I also filed 2 different change of addresses forwarding all mail from my previous address to the XXXX XXXX that I had, then to my current residence. I did n't receive any mail regarding this account after I moved, even though they should have received notice of the change. I then received a call from XXXX at XXXX CST XXXX/XXXX/2016, when answered, there was no one on the other end and the call disconnected from the caller 's end, again forcing me to call back. Called in, and rather than repeating myself with all of the same information listed above, I told the person that they have the wrong number. I should n't have to lie about who I am to get unwanted calls to stop. I work in a business that has to be up to date on collection laws at all times, and if the customer states that they do n't want to be called, the company is responsible for maintaining that request, not calling from another call center across the continent.
06/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
IC System is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that IC SYSTEM is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter
04/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95126	Web
I have been a customer with XXXX XXXX XXXX for 4 years now. I have always had internet service with them. Last year in XXXX , my credit card was shut down due to fraud and that caused my payments to be late with my internet service. XXXX XXXX XXXX shut off my internet, and I had to re-establish my account with them after I resolved the issue. When they re-established my account, they opened up XXXX accounts simultaneously for the same address. I managed to get them to close XXXX , however I was unaware of the second one that was still open. I got a message saying that I owed {$93.00} on this account. I disputed it saying that I never consented to this account being opened in my name. I had several people inform me they would remove it from my account and that it would take a " few billing cycles ''. In addition to dealing with this account, I had an offer to open up another bundled account with a home phone to reduce my current XXXX XXXX XXXX internet service bill. I did not want to have the home phone, however they opened it up in my name without my consent anyways. Now I have XXXX accounts, XXXX opened without my knowledge, and XXXX now having gone to collections. The home phone was charged to me as {$110.00} and the other internet for {$93.00}, all the while, I have current internet service with XXXX XXXX XXXX at my address that I am paying on time each month. XXXX have gone to collections. My credit score was XXXX and is now XXXX . I am currently disputing XXXX delinquent accounts but not getting anywhere.
05/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 91042	Web
This regards the following institutions : XXXX. IC system/ XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX ( this was on the letter head ) 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX, phone XXXX I received a letter from XXXX or the other of these ( XXXX addresses were on the XXXX of the letter ) for an outstanding bill from XXXX of {$21.00}. There were 3 options, the first of which was to use their website : XXXX. I went to this website and was given the choice of giving a credit card or paying by check. I chose the first. After filling out the entire application to pay ( requiring several pages ), I was told that, instead of using this method, I 'd have to call the XXXX [ XXXX ] number. So I called. What followed was a series of attempts to get me to 1 ) buy a medalert system, 2 ) buy a {$10.00} discount card and 3 ) buy a {$100.00} dollar discount card or 4 ) buy into a 'cruise ' that would probably cost me hundreds of dollars. When I declined all of these, they automated system hung up. I went through this whole XXXX twice, just to be sure the first time was n't a fluke. t was never allowed to pay the bill, neither online nor by phone. I have n't tried the 'pay by check ' option, nor will I, because I 'm quite certain that XXXX are bogus. It 's clear to me that this is simply a scam to get people to buy these worthless products and there is no intent to help the people pay the outstanding bill. Since none of your menus above cover my situation, I chose 'communication tactics ' and ''used obscene ... ', since I have to choose something.
01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33180	Web
Today, XX/XX/XXXX, I did call, I C Systems Collections, phone number : XXXX in order to clarify a place for collection. I spoke to XXXX, ID # XXXX in order to find out about a placed collection for {$150.00} which through the original creditor XXXX ( Cable/Cellular ), I C Systems Collections stated that they have sent me a notice, which I have never received. Then, I asked them to send me any information they have related to this collection and they denied to send it over via e-mail because of their policies. I did call once again and I spoke to XXXX ID # XXXX, I explained my situation, XXXX transfer me to her supervisor, supervisor 's name XXXX, ID # XXXX which I repeated once again my concern in receiving all this documentation via e-mail and mail. He misinterpreted my communication trying to play around with the wording. I asked for more than three times to send via mail a re-validation notice, month of the debt, and any valid information related to this collection. I have also requested a copy of their policies, no proper answers being responded. Please help me to understand my rights under the Federal Trade Commission. What is my next step, I need to clear this matter from my credit report. Is it e-mail a legal way of communicating? Why I C Systems Collections can not send me all information on their files related to this matter? I need to dispute this matter on a civil and polite way in order to be protected under Federal Fair Correction Act. This matter is causing that my student loan to be held which is nu-acceptable. Sincerely,
10/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 604XX	Web
This has been going on for over 2 years now. XXXX is trying to collect a " debt '' that doesn't exist. On XX/XX/XXXX I moved to another address, and completed a " transfer of service '' from my old address to the current one. When I first received a notice that I owed a past due balance ( this was around XXXX of XXXX ), I called XXXX and they apologized for the inconvenience, and assured me that the balance would be removed. Several months later, I got a similar notice. I called XXXX again. They advised me that there was no balance showing on the account for ANY of the previous addresses, and that I should disregard. Fast forward to mid XXXX, I start receiving notices from XXXX XXXX XXXX ( Debt collector associated with XXXX ) that I owed over {$400.00}. On XX/XX/XXXX, I filed a complaint with Consumer Financial Protection Bureau and on XX/XX/XXXX the issue was supposedly resolved. XXXX XXXX stated this in response to the complaint I filed : " ... .In response to this complaint, XXXX XXXX has closed this account in our office and returned it to XXXX XXXX If you have any further inquiries regarding this matter, you may contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns .... '' Now, I'm getting a notice from I.C. System Inc for the SAME EXACT THING. I do NOT owe XXXX any amount of money. They are mistakenly trying to collect a debt that I do NOT owe. They have told me SEVERAL times that " this issue would be resolved '' or " I don't see any past due balances on your account '', etc FOR OVER 2 YEARS NOW.
07/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 454XX	Web
XXXX XXXX has been hired as a debt collector for XXXX to collect a debt of {$3500.00} that was fraudulently made in my name in XX/XX/XXXX of this year. In XX/XX/XXXX, XXXX XXXX would call me from a different phone number almost every day. They would not identify themselves as a debt collector. They would ask if they were speaking with " XXXX XXXX '' and I would confirm. Then they would ask me to a verify an address on file. The majority of the time I would not confirm or deny the address as being correct ( it was incorrect ). Instead, I would state that I need to know who is calling me and asking for this information before I could respond to that question. They would then respond that they could not tell me that until I gave them the information they needed. I would eventually hang up on them after stating that I do not give out information over the phone to people I do not know and if they would not identify themselves, I would not be providing them with any information. On one occasion, I did respond that the address on file that they have is incorrect. When they asked for a correct answer, I, again, refused to give that answer unless they identified themselves. They, again, refused to identify themselves without me giving them a correct address. Finally, I told them that I was going to report them to the FBI and that they need to stop calling me if they are unwilling to identify themselves. I did make a report with the FBI in the second half of XX/XX/XXXX listing a complaint with the above information and two of the phone numbers I had for them.
03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 462XX	Web	Older American
In early XXXX, XXXX I received notice via the US Mail from I.C. System Inc that they are collecting debt owed to XXXX XXXX. They claim that amount past due was {$1000.00}. This is XXXX of many attempts from several collection companies to fraudulently collect funds from me. The first attempt was from XXXX in XXXX, XXXX. They claimed I owed funds to XXXX. I immediately contacted XXXX and was told I did not owe any funds and they had not requested debt collection from XXXX. XXXX assigned to me a complaint reference number XXXX. I later was contacted by XXXX XXXX XXXX saying I owed funds to XXXX / XXXX. I filed a complaint with the office of Indiana Attorney General on XX/XX/XXXX. The XXXX office investigated but XXXX XXXX XXXX did not respond. Then on XX/XX/XXXX I received notice from XXXX ( another debt collection company ) saying I owed {$1000.00} to XXXX XXXX XXXX. So the attempt by I.C. System to fraudulently collect past due funds is the fourth different debt collection company! On XX/XX/XXXX, I sent an email to I.C. System, Inc stating that no funds are due. They did not respond to my email. On XX/XX/XXXX I was notified by XXXX ( credit report XXXX XXXX ) that I.C. System notified XXXX that I owe {$1000.00}. I notified XXXX and they have filed for a dispute investigation of fraud. The case number assigned is XXXX. This issue has progressed over several years and through four debt collection companies, all of which are fraudulent. Thanks for any action you can take to contact this latest company I.C. System, Inc and ask them to cease and desist.
03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32828	Web
In XXXX of XXXX, I contacted XXXX ( XXXX ) to provide internet services at my new address. With a XXXX agent, I initiated services via a phone conversation. Only when trying to activate the internet modem did XXXX XXXX services come up on my computer ( NOT XXXX ). In short, XXXX could not activate the internet modem as XXXX already had control of the line ( from a previous tenant ). At that point, I cancelled all services with XXXX. I then contacted XXXX to switch existing internet services. At no point did I have access or use XXXX internet services or receive any equipment from XXXX. In late XX/XX/XXXX, I received a bill from XXXX in the mail stating that I owed {$50.00}. There was not line item to justify this billing amount, or explanation for why they stated that I needed to pay them {$50.00}. I immediately contacted XXXX, who apologized and issued me a credit. I never received an explanation for why I was billed for {$50.00}. I told them that this was fraud to bill me when I never received or used services and the bill contained no line item expense for the {$50.00} amount. I received a {$50.00} account credit ( proof via e-mail ). In early XX/XX/XXXX, I received a bill from I.C. Systems ( a debt collector ) informing me that they were attempting to collect a {$50.00} debt on behalf of XXXX. This statement told me that I had a " Total amount of the debt now : {$50.00} '' I am being fraudulently billed and harassed by XXXX ( XXXX ) and/or its agents. I ask for the CFPB 's help dealing with this matter, as a debt collector has contacted me.
12/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 97005	Web
I also submitted a debt collection complaint for the company this collector is representing, XXXX. I had never received a bill from the original company, nor an email, nor a phone call to know if I even had a debt. My account was closed and paid in full over the amount of the said bill. I have a forward in with the mail and informed consent delivery, so I have never seen or received anything from XXXX. So today I got a text from this company called IC System telling me I owed a debt and to click on a link. I thought it was a scam so I called XXXX to tell them and sure enough they said they sold the debt without even telling me in any way or giving me a right to dispute it. I asked them why they would go to this extreme when I was a customer for 10 years and they had all my info? They said they would usually send out a final bill and courtesy call, but in this case that wasn't certain. They never said anything was attempted. XXXX wouldn't take payment because it had been sold. I have had identity theft and fraud and this is completely negligent and unprofessional for them to sell my account. Furthermore, the debt collector IC systems wanted me to click on a link to enter my zipcode as a password. I don't even know who these people are, I never saw any verification letter and how do I know some tracking device or malware isn't going to be put on my phone. I want restitution for this ridiculous matter that could have been taken care of if I knew about it. I am not paying a debt collector, not am I giving any info to someone for something I don't owe.
07/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	UT 84005	Web
On XXXX I was contacted at XXXX I missed the call and called back at XXXX. I was then told that they had an important business matter to discuss with me and they needed me to verify my address. I then told them I would n't give them any of my personal information, they called me and should have that information. They then continued to claim this matter is affect my credit, and if I do n't resolve it there would heavy consequences. This is odd, because I have been building my credit since my bankruptcy and have really been pushing to keep it clean. I then explained that I have no outstanding debts. I then told them I know what your doing ; I will not give any of my information to a thief that is planning on destroying my good name. I then auto rejected their number immediately. I then received XXXX more calls in the following XXXX weeks. I Called and reported this to the local sheriffs office in XXXX Utah on XXXX XXXX 2015. I gave him the number and the spill they told me. He said if anything comes up on my credit to then call him again, and he would give me a case number to fight the charges. I called XXXX XXXX XXXX 2015 at XXXX and told them I know what they are doing, I demanded that they remove my number from their call list. I also told them I reported them to the local sheriffs department and if any charges are placed on my credit by there company IC Systems. I would take action against. He claimed his company is n't fraudulent, and I confirmed that he understood what I said and that the harassing calls would stop he agreed. I then hung up.
02/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28806	Web
When checking my credit score in early XX/XX/XXXX I became aware that since XX/XX/XXXX a {$160.00} debt in my name had been in collection by IC System, on behalf of XXXX XXXX. I had not received any written notification of this debt collection at my current address, where I have lived for 3.5 years. I disputed the collection on my credit report, since it seemed to be a mistake. But when XXXX refused to dismiss the collection from my credit score, I contacted IC System today ( XXXX XXXX, XXXX ). IC System confirmed that this amount in collection is a small outstanding cable bill from my previous residence, where I have not lived since XX/XX/XXXX. Obviously I would have paid this amount if it was fairly owed and I was made aware of it. My mail was forwarded for 12 months after my move, and this is the first I have heard of a debt from XXXX XXXX. Unfortunately the damage to my credit will cost me much more than the disputed amount. Despite my current address being publicly available, XXXX XXXX and IC System made no attempt to contact me about the collection at my current address. Thus, for four months, I was completely unaware of the collection attempt and the negative affect it has had on my credit score. Surely, a debt collection agency should be required to contact individuals at their current address when it has been publicly available for many years. It should not be the responsibility of the consumer to do their work for them, and accept demerits to their credit scores in the process. Thank you for your help investigating this issue.
11/10/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32832	Web
We subscribed to XXXX XXXX XXXX XXXX XXXX for our home in XXXX, Florida for a period of time during XXXX After an in-person consultation, we agreed to do a basic service focused on keeping our lawn green and provided a credit card for payment. The service went on as planned, but we noticed areas in our lawn where their services did not result in the intended improvement. The Manager sent folks out for additional treatments on these areas as a result. There were no extra charges as these were a remedy for their lack of performance. At some point during these extra treatments, their dispatch team decided to also send people to put down other treatments. Since they often visit during the hours we work away from the home and were coming by frequently, we didn't check with them each time to see what the treatment was and whether it was something we agreed to. Browsing my credit card statement one day, I noticed that they had been double charging my account vs. the agreed upon price across multiple months. Their phone team claimed it was an issue on their end and said it would be refunded. Over the next month, it wasn't and then they transferred me to a different representative when I called. That person said it was for additional services that I signed up for and when I said that we hadn't signed up for anything, they said that their notes said we did and it was up to us to pay them. We absolutely did not want anything other than the lawn fertilization and should not be held responsible for the poor management of people by their local team.
10/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76063	Web
I did not give I C System Permissible purpose pursuant to 15 USC 1681c ( b ). I the consumer XXXX XXXX XXXX is the consumer pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. By furnishing this false information you have violated my consumer right pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 USC 1692c ( a ) you not allowed to contact me the consumer unless permission from the courts. Pursuant to 15 USC 1692c ( c ) cease and desist all communication through all mediums. Pursuant to 15 USC 1692d. Pursuant to 15 USC 1692e ( 2 ) ( A ) the false representation of the character amount of any debt. Pursuant to 15 usc 1692f ( 1 ) the collection of any amount of debt unless such amount is expressly authorized by the agreement creating the debt. I am not obligated to pay any debt pursuant to 18 USC 8. Also in violation of 15 USC 1692e ( 11 ) and 1692e ( 10 ). I C System has reported 3 alleged accounts on my consumer report without my permission. Even if I didn't answer to there notice. pursuant to 16 usc 1692g ( c ) failure of a consumer to dispute the validity of a debt may not be constructed by any court as an admission of liability by the consumer. So if you have to have a judge to give you permissible purpose to furnish my consumer report why are you reporting this alleged debt on my consumer report Pursuant to 15 USC 1692j. This is called breaking the law. Pursuant to 15 USC 1692k I C SYSTEM is civil liable for damages for each violation up to {$1000.00} each.
11/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive. IO sent them another dispute out on XXXX
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94605	Web
IC system has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury. 2 ) in accordanance with the written instructions of the consumer to whom it relates. I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.
02/02/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33916	Web
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. I C SYSTEM INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by I C SYSTEM INC. Please be advised that providing a memorandum or other statement from your agency, stating that I C SYSTEM INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
05/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33713	Web
When COVID started in 2020, I was unaware that XXXX had inaccurate banking information for me. They sent letters of notice to a wrong address, so I had zero knowledge that my payments weren't going through. When I saw my account was inactive, I tried calling via phone but could not get through to anyone. I tried emailing, but I was told to call. I called multiple times, was left on hold, received a voicemail box where I left a message, or received an automated message saying to call back during business hours. I emailed multiple times explaining I was unsuccessful in getting through to anyone and that my working hours interfered with the times available for me to call. I asked them to call me directly via email since I was not able to get in touch on the phone, but I never received a call back. I received a letter in the mail from a debt collector stating I owe {$470.00}. I tried disputing this, but they sent another letter claiming the charges are valid. I am looking at the list of charges sent, and I do not believe this is accurate. I had paid a {$50.00} membership fee and it shows that 2 payments were successful at {$45.00} each, totally {$90.00}. It shows my total charges of services received totals {$370.00}. {$370.00} - {$90.00} - {$50.00} = {$220.00}. I am no longer with this bank, so I can not access my records to verify that the other charges did fail, but I am willing to pay the {$220.00} since I was provided with the breakdown of charges from the debt collector, but I do not agree to pay {$470.00}.
10/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75032	Web
I received a letter from IC Systems in XX/XX/XXXX. The letter is dated XX/XX/XXXX. The letter stated that I owed {$59.00} with an account number to XXXX. I was a current customer with XXXX at the time. I called the agency and they stated they received the account 5 days ago and that is was from equipment from XXXX. I told them that there was a mistake that all equipment from me moving was returned. I then called XXXX and asked them why they did not reach out to me regarding a balance when I am still a customer, I receive a bill to my current address, and transferred services when I moved. XXXX advised me that they mailed a bill to my old address by mistake. I informed them that I returned the equipment. A representative stated that she would research it and give me a call. I never received a call and called to follow up on the research. I received a notification that the collection agency reported the {$59.00} on my credit on XX/XX/XXXX. I disputed this with XXXX. XXXX never or the collection agency called me back to validate the debt or provide me an option after I disputed the debt to make a payment to avoid any reporting to my credit. XXXX clearly admitted to making a mistake. If I am still a customer and had an up to date account why wouldn't they mail it to my address that I provided and still used? Why did they wait over 2 years to report to collections and why did no one ever return my phone calls to state they are still collecting. This was extremely unfair to the consumer that is blind sided by a debt not owed.
02/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30064	Web
medical company ( XXXX XXXX XXXX XXXX ) failed to use accurate insurance company ( XXXX ), thus never made claim to insurance. ( XX/XX/XXXX ) Billing statement was sent to incorrect address by medical company ( XXXX XXXX XXXX XXXX ). ( No Verification bill was ever actually sent ) Received letter from collections company ( I.C. System, Inc ) about amount due to medical company - ( XX/XX/XXXX ) Bill of {$1400.00} Insurance company ( XXXX/XXXX ) aided in disputing amount due - mailing address updated by medical company ( XXXX XXXX XXXX XXXX ) to receive bill and claim to be filed under correct insurance company ( XX/XX/XXXX ) Mailing address was not actually updated by medical company ( XXXX XXXX XXXX XXXX ), and claim was not actually filed with correct insurance company ( XXXX/XXXX ) as discussed. Collections company ( I.C. System, Inc ) again attempts to collect incorrect debt from medical company ( XXXX XXXX XXXX XXXX ) - find that mailing address was never updated and claim was never filed. ( XX/XX/XXXX ) Bill of {$1400.00} Dispute over debt made with collections company ( I.C. System, Inc ) in order to prevent negatively effecting credit. Put debt in hold with company. ( XX/XX/XXXX ) Summarizing, the medical company ( XXXX XXXX XXXX XXXX ) repeatedly failed to update correct insurance information and correct mailing address ( thus a failure of notification ) and repeatedly sent bill to collections ( I.C. System, Inc ) after attempts to rectify the situation by myself and my primary insurance provider ( XXXX/XXXX ).
09/09/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	MD 208XX	Web
XXXX {$440.00} XX/XX/2023 last updated on report XXXX XXXX XXXX XXXXXXXX {$560.00} balance updated XX/XX/2023 I.C. system, INC XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I havent made no open accounts or made no financial attempts with my name or social these accounts are not mines or do i know what they are. XXXX XXXX XXXX $ XXXX a consumer reporting agency 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 4 business days after the date of receipt. It has been 30 days and you are In VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENTG IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!
07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94530	Web	Older American
IC System a collection agency which apparently has a history of false, wrong collections with strong-arm tactics, contacted me by letter a few months ago claiming I must pay a debt of {$500.00} from XXXX of 2020 ( a year ago, in other words ) for XXXX XXXX, which is not me, not my name. My name is XXXX XXXX. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, XXXX , Florida XXXX, about XXXX miles from me. I live in XXXX XXXX, CA. I wrote back to IC Systems telling them they are wrong in contacting me as I am not XXXX XXXX nor do I know anything about her debt, and to stop bothering me or I would take additional steps to get relief. Yesterday I got a sdecond letter from IC System saying they got my letter and will honor my request not to contact me again, BUT I STILL OWE THEM {$500.00} FOR the debt to XXXX, apparently a TV cable service company atXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. I will upload a copy of the bill for {$500.00} enclosed in the second letter from IC System which has XXXX name + address as well as XXXX XXXX 's name and address + phone and her account number : XXXX. IC System has meanwhile ruined my credit rating by filing a collection action with the 3 big credit reporting agencies -- see my attached notice from XXXX XXXX, notifying me of their damaging action and false collection effort on XX/XX/XXXX, months after my letter explaining they were wrong in pursuing me, the wrong person, in their collection efforts. So they have demonstrated BAD FAITH by ignoring my facts and pursuing harmful action against me.
06/25/2020	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	MD XXXXX	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. A merchant can not charge a debit card or a credit card without your permission they are situations where merchants may put through a charge, but they are rare and usually involve other issues. On XX/XX/XXXX and XXXX, a person from XXXX contacted me via email. Since directly after speaking with him, my credit card was charged using a card that I use for a one-time payment in XX/XX/2019. With that said, I provided zero account information during our conversation. I requested from him to tell me exactly what he needed from me in writing. Since none of my account information was needed from XXXX to charge my personal credit card. I demand the following collection account be verified or removed immediately Name of Account Account Number Provide Physical Verification I C SYSTEM 11 XXXX Unverified Account
02/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 30058	Web
I was recently informed of a collections account, with this company listed as the owner of the debt. I phoned them to get clarification on the account. This was after submitting a dispute with XXXX as well as directly on their ( I.C. Systems ) website. I was finally connected with a representative and after what seemed like amiable conversation, where I was told that I owe an amount well over the dollar amount that I remember being delinquent and once I began attempting to collect information on how to resolve the debt, I was hung up on. I phoned the company again ( time # 2 ), only to have a different representative this time ; one who acted as though she was unable to reference any proof of the prior conversation. Upon repeating all of my personal information ( very uncomfortable ), I was told by this representative that the company in which I originally had the account ( the one that is now in " collections '' ) would be REobtaining said account, because the debt collections agency would have had it for more than one year. She ( this second rep ) suggested that I phone the original company ( XXXX XXXX ). Of course I phoned XXXX and they referred me back to the collections agency. I then phoned the agency for a THIRD time, just to be transferred to twice and then hung up on AGAIN. It 's quite clear that this company has no intentions of working with me to educate myself on the validity of this account, Or to resolve this account or collect payment. Obviously this only makes me question the validity of this collection.
05/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 614XX	Web	Servicemember
Upon several requests since the company received the collection from XXXX XXXX. They still have never sent me an itemized bill or allowed me to dispute the bill at all. I called in again to see why XXXX XXXX or their company wasn't replying to the arbitration request and found out that XXXX XXXX is refusing to speak to me about the account. Claiming that I need to call IC system collections agency. Yet that agency refuses to give me any details in relation to the account other than I owe them money. When requesting itemized statements, they claimed that I was supposed to request that before. Which I did, 3 separate times. They only give me a final bill with no relation to what is owed and why it's owed. The reps absolutely refuse to give any dispute options and when I requested to file disputes, they claimed I can't do it and that I needed to file the dispute 30 days after I got the notice ( which was the final bill and not the itemized statement that I had requested multiple times ). Reps claimed I couldn't do anything and that I needed to pay the debt. I noted CFPB regulations don't have any time limits on consumer filing disputes. But the rep claimed their company makes their own policies and that I can't file any dispute or request statements from XXXX XXXX because I should have done that before. ( again, I did it before ) and it was never sent to me. Just the final bill. Rep refused to get me to a manager and IC company is the recipient of the XXXX case # XXXX and they are not responding to arbitration either.
08/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28217	Web
I would like to file a complaint against a collection company called IC Systems INC for adding this fraudulent account to my Experian Credit Report. I never heard of this company before and I never received anything in the mail from this company nor did I receive a phone call from this company This 3rd party collection agency is attempting to collect and allege debt from a company called IC Systems Inc in the amount of {$650.00}. IC Systems Inc. is required by the state of NC to provide a copy of the License and per their website, it does not show a copy of their company License to collect any debt in the state of North Carolina This collection company NEVER once mailed me, a consumer any information pertaining to this alleged debt. This company has violated 15 USC 1692g- Validation of debts because as a consumer I was never given a chance to ask for validation of the debt. This collection company is also in violation of the 15 U.S. Code 1692c - Communication in connection w ith debt collection which states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt '' I will not contract with this company and I demand that this fraudulent account be removed off of my XXXX Report and I would like to say they do not have my written expressed consent to having this adverse and fraudulent account report to ANY of the major credit bureaus.
03/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > I C SYSTEM INC Not Proven Compliant Account -- > XXXX
08/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78251	Web
I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2020 disputing the collection account for a XXXX XXXX account in the amount of {$320.00}. By the way, I DO NOT ever recall having a XXXX XXXX account. I received a response letter from XXXX XXXX XXXX dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. This account was then bought by IC System Collections agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to IC System on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by IC System Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from IC System, they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim and I do not recall ever having a XXXX XXXX account. This complaint is in regards to IC System Collections as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS IC SYSTEM COLLECTIONS NOW ABLE TO VALIDATE THE DEBT?
08/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 351XX	Web
IC Systems collection is reporting a collection on a balance of XXXX that is incorrect. First the account has been settled with XXXX XXXX XXXX XXXX XXXX and I have the letter that the account is closed and settled. It was a XXXX/XXXX bill. IC Systems is still trying to collect on the same closed account and the balance is not only incorrect, but I called them 4 times in the last 30 days to try to get them to correct it as well as disputing with XXXX. IC Systems continues to notify XXXX the information is correct. Even after me providing the closed and settled account letter from XXXX. XXXX has acknowledged the account is closed and settled. Even though IC Systems is taking their time resolving the collections on my credit report, the amount is incorrect. Even when I log into IC Systems web page it still tries to collect the wrong amount as well as the settlement offered is higher than than the actual balance owed. It took XXXX a year to finally admit that I they have had my equipment returned and finally credited my account. I still owed a balance of {$370.00}. IC Systems is reporting I owe {$610.00} and offers a settlement of {$480.00}. This is the only collection I have against me and it is being unfairly and wrongfully being reported. IC Systems contact is XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The reference number is XXXX. The account number associated with the XXXX account is XXXX. IC Systems has caused me undue hard and unfair damage to my credit report after repeated attempts to have them resolve it.
04/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33570	Web
I received a notice on XX/XX/XXXX from I.C. System, Inc., stating that I have a delinquent account that has been turned over to this collection agency. I responded with a 30 day validation request on XX/XX/XXXX. I ask for an agreement with a creditor that authorises this collection company to collect on this debt. I also asked for the agreement that has my signature that says I agreed to assume this debt. I asked for valid copies of the debt agreement stating the amount of the debt and the interest charges. I also asked for proof that the statue of limitations wasn't expired as well as a complete payment history on the account. I also asked for their lisence that showed they were allowed to collect in my state as well as their licence numbers and their registered agent. I did not receive a response in 30 days. I did however receive a response on XX/XX/XXXX that stated communications are ceased and attached to that letter was a phone bill that was dated XX/XX/XXXX through XX/XX/XXXX. There was no information verifying or validating that this debt belongs to me or that I am responsible to pay this company. I sent a second validation letter to them on XX/XX/XXXX to have this debt validated as mine. I did not receive any response from this company. I sent a 3rd and final validation request on XX/XX/XXXX. This was sent certified mail. They received this letter Validation request on XX/XX/XXXX. It has been longer than 30 days and I have not received a response. I still have not received any validation from this company.
02/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60013	Web
I was a victim of Identity Theft in XXXX. My identity has been stolen, through distribution of my SS # numerous times between XXXX and XXXX. My identity was used to open an account with XXXX XXXX in XXXX, under my name in XXXX. Received notice of debt collection on my credit report from XXXX on XX/XX/XXXX. I filed a police report on XX/XX/XXXX and notified debt collector, IC Systems, of the theft with letter and copy of police report on XX/XX/XXXX. I noted with review of my credit report in XXXX that the collection was still on my credit report and so I called XXXX XXXX. They stated it was out of their hands and to contact IC Systems. IC Systems did not take any action until I called them later in XXXX and sent a follow-up letter on XX/XX/XXXX. They replied with a letter dated XX/XX/XXXX that they will no longer pursue collection of the debt to XXXX XXXX. I assumed this would take care of the problem. It was brought to my attention in XXXX of XXXX that the debt collection from IC Systems was STILL on my credit reports. I called IC Systems and they indicated they have no record of them sending me the letter dated XX/XX/XXXX. I resent them their letter and the police report of XXXX/XXXX/XXXX and they responded by sending me a bill for the debt of {$1500.00} on XX/XX/XXXX. I called them and they would not talk to me. They sent another letter XX/XX/XXXX indicating they can not reach out to the creditor and would not provide me with any contact information I had requested. Same with letter dated XX/XX/XXXX.
12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08234	Web
This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, IC System XXXX Inc, lists their business address in XXXX, MN allegedly hired the firm of XXXX XXXX LLC in XXXX, MA to recover the already paid debt. I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. It should be illegal for companies to sell debt to XXXX another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.
06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30021	Web
Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE ( XXXX XXXX XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) ( {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. XXXX and XXXX have deleted and removed the fraudulent accounts at this time.
08/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30067	Web
I had a bill from XXXX XXXX XXXX from XX/XX/XXXX, for {$100.00}, I did not pay it and on XXXX, XXXX, XXXX Derogatory account Reported by XXXX XXXX thrue XXXX. Later this year I received multiple phone calls from random numbers about my debt {$100.00} to XXXX XXXX XXXX. That people knew my name and my old address, they even didn't have a legal way to know my current address. But, anyway, I explain them I already have a derogatory account and minus credit scores on my history. On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX Account balance {$100.00}. On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. On XXXX, XXXX, XXXX I received a Credit Alert about Derogatory Account, reported by I C System Inc thrue XXXX. Account balance {$100.00}. So I have now FOUR Derogatory accounts not related to my history, because I already had one on XXXX, XXXX. Can you please stop that people from reporting Derogatory accounts on me every Wednesday? I am not sure now, if they are going to stop or keep doing this. Can you please remove all Derogatory accounts with a balance of {$100.00}, came after original, dated XXXX, XXXX, XXXX? Please, stop them, I feel unprotected, I am not guilty in what they trying to apply on me. Please, please, please!
04/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web
XXXX services are paid in advance and would recur every XXXX of the month on my account. Termination was requested before the next billing period, XX/XX/XXXX because I was moving to another place where XXXX is not a provider. They charged my account in XX/XX/XXXX regardless XXXX {$140.00} XXXX, said it was for the outstanding balance and after much argument I payed for it. The following month they charged my credit card {$130.00} and then the following after that I was charged {$160.00}. Both of the last transactions were disputed and resolved with the credit card company 's help by XX/XX/XXXX. Months after the debt collectors started harassing me for a debt of {$190.00} as follows : XX/XX/XXXX : XXXX sent Debt collector XXXX collect ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. XX/XX/XXXX XXXX sent Debt collector XXXX XXXX XXXX XXXX. Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. XX/XX/XXXX XXXX sent Debt collector XXXX XXXX ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. XX/XX/XXXX XXXX is now sending a fourth debt collector, I.C. System XXXX XXXX XXXX, making a fourth attempt to collect a debt that is not valid. This time they are asking if I would be willing to pay 65 % of the debt. I feel harassed by XXXX. I've put up with this for almost ( XXXX ) year.
09/07/2023	Yes	Debt collection Telecommunications debt	Electronic communications Used obscene, profane, or other abusive language	GA 30064	Web
XXXX Now Part Of XXXX illegally SOLD my debt and information to a third party debt collector on XXXX Which would be I.C. SYSTEM, INC. Both of these Debt Collector Companies REFUSE to RECONNECT my phone services as a Consumer for personal/family use pursuant to 15 USC 1692c , and I am TIRED of repetitively being ABUSED and HARMED from both of these companies for having my services Disconnected Every Since XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1692d XXXX Both Debt Collector Companies have False and Misleading Claims/Representations stating that I owe a DEBT of a POSITIVE BALANCE of {$420.00} pursuant to 15 USC 1692e . This is HIGHLY UNFAIR to me as a consumer and neither one of these debt collector companies have Validated this debt they Falsely Claim I owe, pursuant to 15 USC 1692e AND pursuant to 15 USC 1692f AND pursuant to 15 USC 1692g. I.C. SYSTEM, INC has furnished multiple deceptive forms to me via email which is VERY UNLAWFUL AND ILLEGAL pursuant to 15 USC 1692j ( a ) and 15 USC 1692j ( b ), And ANY person OR Company who violates this section shall be liable to the same extent and manner of a Debt Collector under section 15 USC 1692k! As of Today, XXXX my phone services for Account Number : XXXX STILL Remain ILLEGALLY DISCONNECTED and according to the FDCPA and FEDERAL LAW 15 USC 1692k CIVIL LIABILITY Specifically States, that is backed by Congress to protect Consumers, AND it is {$1000.00} PER VIOLATION AND DAMAGE to the Consumer. My phone services need to be RECONNECTED ASAP, IMMEDIATELY!!!!
07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11550	Web
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE I.C. SYSTEM, INC Original creditor : XXXX Balance details 0 % paid off Balance {$1600.00} Balance updated XX/XX/2023 Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/2023. Status updated XX/XX/2023 Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
03/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
IC Systems 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 are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to ic systems.ic systems placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
10/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92234	Web
On XX/XX/XXXX an account was opened with XXXX XXXX in my name. The Account was opened in Michigan. XXXX ran my credit. On XX/XX/XXXX the account was closed for non payment. XXXX filed a collections report on my credit bureau in the amount of {$630.00}. The collections filing dropped my credit score 65 points. I was notified by my mortgage lender that there was a serious delinquency that impacted my mortgage approval. My mortgage lender provided me with the name of the collection agency, IC Systems in XXXX, MN. I contacted IC Systems, and proceeded to go through the information in their file. Even though none of the information in their file was correct, nor despite the fact they couldn't prove the debt was valid, they refused to remove their erroneous credit bureau filing. I contacted XXXX. They would only have me submit a claim of Identity theft. They refused to contact the collections agency to tell them to remove the information. Funny thing is I live in XXXX XXXX, and have for the last 10 years. During the whole time I've lived in LA I've been a customer of XXXX. How do they open a new account for a new customer on the other side of the country using my information when I'm a current customer? Do their systems not detect this? Anyway, XXXX XXXX refuses to remove the information unless IC Systems removes it.IC System won't remove it without XXXX paying them. This is wrong. I'm losing my mortgage and my deposit on the house of {$30000.00} because of this nonsense? This is just not right.
07/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29036	Web
Cancelled service with XXXX XXXX on last day of billing cycle XXXX. I called and they were having phone issues and couldn't get through so I emailed them at XXXX. I called back the next day to confirm it was cancelled on XXXX and they said they couldn't accept cancellation that they would cancel today but wanted to see what they could do to keep my business. They could have cancelled they just chose to bill me for another month when there system wasn't working on the last billing cycle day. I had spoke to them almost 3 days a week trying to fix constant issues with them prior to XXXX. I told them It has been the worst service I've ever had in the last year and I have purchase XXXX. I was paid up to XXXX because billing was month in advance. They sent me a new bill for XXXX XXXX XX/XX/XXXX XXXX. I did not have service nor had any equipment hooked up with them. I have disputed this multiple times with them and several collection companies where it was approved and removed from my credit. Then my file gets sold to other companies and it starts over again. I have reached out to them and XXXX XXXX again this year which XXXX XXXX was going to send out documents for me to fill out but I never received them nor understand what the lady was saying she was sending out. I should not have to continue to file something when I proved my case over and over and it was cleared off my credit report. I sent in all documents and verified that the amounts don't even add up correctly. I don't know where they get XXXX.
11/15/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78413	Web
I was provided no notification of the " alleged '' debt and thus any opportunity to dispute the debt prior to its reporting to credit bureaus. On XXXX/XXXX/XXXX, I sent the following letter : Certified Mail XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX, XXXX XXXX : Account for {$320.00} ending in XXXX To whom it may concern : I am writing to demand that you immediately remove from my account a reported amount of {$320.00} for an account ending in XXXX. 1. In violation of the FCRA, I have not received notice of any such debt as well as the contact information regarding to whom this alleged debt is owed. 2. Neither have I been afforded an opportunity to nor have I been provided an opportunity to dispute the alleged debt. I hereby demand that this alleged debt be immediately removed from any and all credit report bureaus this has been reported to until such time you can comply with the provision of the FCRA. Failure to do so will result in a suit to protect my rights and any damage done to my credit reputation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX In addition, I am receiving an excessive number of spoofed calls which leave no messages which have exceeded 100 in total as of this date and no response to my letter. Further, it seems that the day after they received the letter, they reported the debt to another credit reporting agency rather than remove them until I have an opportunity to review and request documentation and dispute.
10/25/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web
I checked my credit report and noticed I had a collection from ( IC Systems , INC XXXX XXXX XXXXXXXX ) that was opened in XX/XX/2023 for {$1400.00} with account number starting in XXXX that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity. REMOVE FROM XXXX, XXXX and XXXX. I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC. I sent letters to XXXX, XXXX and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
04/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 189XX	Web
A XXXX sales person came and pitched for a lucrative internet service. His name was XXXX, phone number XXXX. He told that he will send a box with an activation code, which I need to fix for the internet to start. He never shipped me the box and as a result I never installed or used XXXX. The XXXX XXXX sent me a bill of {$100.00}. I called them atleast 3 times and explained that I never got a box and as a result could not use their internet. The first customer rep was very rude and told that I even though I havent used it I need to pay. I called again exactly 2 days later the customer representative was kind and he went through lot of data and realized that I havent used their internet service and he told me to cancel the bill. But after a month I got a call from XXXX and this lady was very very rude and told me to pay the bill or will sent it to collection center. I requested her to look into the data. She said I dont want to look into anything and it was incumbent upon me to prove that I havent used it. I provided her all the proof but She sent it to collection center. Three collection centers are involved till now. To the first and second collection I called them and then provided all the proof. They stopped. Now its referred to third collection center. Now I am done with this XXXX false tactic to extract money from me. This is torture and frustrating. The third collection center which they have referred to is I C System Inc. ( phone # XXXX ). This is very frustrating and please help me.
11/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive
06/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90062	Web
A few years ago I stopped paying my XXXX XXXX XXXX phone bill because my significant other stopped paying his half and I could n't afford to pay both. Eventually, I called and talked with a representative to see if I could make payments to pay it off ( since I was young and knew good credit is essential ). She told me I could n't make payments to them it would have to be the full amount and I expressed that I could n't afford it. So she asked me did I want her to go ahead and send it to a debt collector so that I could start making payment with them since that 's why I was calling in the first place and I replied yes. Months later I was contacted by a debt collecting agency. They sent me a letter in the mail I was n't surprised because this is what the representative told me would happen. So I called the number listed and we came up with a amount I could pay back and a payment plan where I pay {$75.00} until it was paid off which I did last year. I paid {$110.00} on XXXX/XXXX/15 and every month after that {$75.00} would automatically be taken out of my account. That was the agreement until it was completely paid off. Once it was paid in full ... .they stopped taking the money out of my account and I received my last letter from them saying it was paid and never heard anything about this debt again. Until recently I received another letter for the same exact debt which later popped up on my credit report. I still have a few letters from the debt company that contacted me and bank statements.
04/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92131	Web	Servicemember
Please review previous complaint, case number XXXX. I believe the current issue is related to this case. During an interview last week ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my XXXX credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. I am not sure the XXXX accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. This debt is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30030	Web
I moved out of an apartment where I had XXXX internet and cable service. It was month to month with no contract. I moved in Late XXXX, early XX/XX/XXXX. I made my last payment XX/XX/XXXX. I have an email thanking me for the payment. I called to disconnect the service and was given instructions to return the equipment to avoid additional charges. I returned to a XXXX store in XXXX, Ga. I called back to confirm receipt of the equipment and no outstanding balance. I was told there isn't a balance " at this time '', and they could see where the equipment was received in. I provided a forwarding address, and they had my email and phone number since XXXX. I have not received anything more than promotional emails from XXXX until today XX/XX/XXXX getting an alert that my credit report changed. I looked at it and there was a collection from I.C. Systems with an approx. {$250.00} balance. I called to verify and was explained that it was from XXXX. I explained everything stated above to them but they were only interested in collecting the debt, even offering a settlement. I told them I didn't feel that it was correct. And if there is was a balance, I should have been notified prior to it being placed on my credit as a collection. I have had no notice of a past due balance for the entire time. This has to be some type of violation of consumer rights. It places a negative impact on my credit report and it is a unfounded charge that they mysteriously generated after almost 2 years, without notice.
03/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46342	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2023 I C System, Inc . XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I am writing this letter in response to the notice I received from I C System regarding a debt that I allegedly owe. I am requesting that you provide me with all legal documents that prove the validity of the debt. As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt before making any payments. Therefore, I am requesting that I C System provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and will consider the debt to be invalid. I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. Sincerely, XXXX XXXX
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93535	Web
The account I am filing a complain about is appearing on my report from a company called I.C. SYSTEM, INC. Their contact information, according to what's on my XXXX credit report is : phone number is ( XXXX ) XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX. The account number they have listed on my credit report is : XXXX. This remaining balance of {$380.00} ( Ticket # : XXXX ; spoke with a rep named XXXX who processed my payment ) that was previously associated with this account was PAID IN FULL to the original debt-holder, XXXX, over the phone on XX/XX/XXXX @ XXXX ( PST ). I.C. SYSTEM, INC. is still reporting a FALSE balance of {$830.00} on credit report as of XX/XX/XXXX. Before the balance was updated randomly to this amount, it was {$910.00} reported, also falsely since XXXX of XXXX. I do not have a balance owed to XXXX anymore, period. I do not have any open or closed accounts with a balance under my name for this company AT ALL. I.C. SYSTEM, INC. is fraudulently still applying a non-existent debt on my credit report every month, despite NUMEROUS attempts from XXXX to notify them the former balance of only {$380.00} has been paid in full. At this point, this is my absolute last resort because every time I call I.C. SYSTEM, INC they tell me XXXX has not updated them of the balance being paid in full. But every time I spoke to XXXX they continuously uphold that I do not have a debt owed to them. I also have proof the previous account which was active in XXXX has a XXXX BALANCE.
10/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	IL 62040	Web
These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. In accordance with the fair credit reporting act XX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. In accordance with the fair credit reporting actXX/XX/XXXX account numbers I C SYSTEM- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXXXX/XX/XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.
06/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 49508	Web
I had an account removed successfully from my credit report around XX/XX/XXXX from creditor XXXX in the amount of {$700.00}. They illegally reinserted this debt by not sending me a reinsertion letter on bureaus end or creditors end but this is well within my rights. I disputed the account again and sent credit bureaus reinsertion letter once I seen that they reinserted this account on XX/XX/XXXX also I disputed the inaccuracies on this same account and ask them to remove it. I waited XXXX days for bureaus to investigate and nothing was removed I sent another follow up letter out to them XX/XX/XXXX still nothing. I also sent a debt validation letter to the collection agency that is reporting this account asking them to validate this account or remove it the collection agency sent me a bill for validation which a bill is not validating a debt, they also sent me a letter stating that XXXX still owns the debt but the collection agency is the one that is reporting this inaccurate information on my credit report how could that be? This debt has also been reaged open date has been changed since reinsertion. I have now sent a refusal to validate debt letter to the collection agency XX/XX/XXXX in response to their bill for my validation of debt request. I also sent a intent to file a complaint letter to the bureaus XX/XX/XXXX for failing to investigate and still reporting inaccurate information on my credit report. I know my rights and that is why I am now filing my complaint with you!
01/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 554XX	Web
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the 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
08/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55337	Web
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the 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
06/16/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33511	Web	Servicemember
This morning ( XX/XX/XXXX ) I got a notification from XXXX that a new collection was added to my credit report on XXXX. Since I am trying to prevent any new collections to my credit and trying to fix them before they get to this point, I went to this right away. The collection showed up as I.C. System, Inc XXXX XXXX. XXXX XXXX, XXXX XXXX MN ) for an amount of {$100.00}. No other information showed up for the business I owed the amount to, date of services, or anything. I didn't recognize anything and knew I had never received any documentation from I.C. System for any collection activity. I looked them up right away on XXXX and contacted them to see what they could provide in terms of who I may have owed, when they would have sent me any information about it, etc. I called XXXX this morning ( XX/XX/XXXX at exactly XXXX XXXX central time ) and spoke to someone who asked my name a few times and where I was located then put me on hold and transferred me without telling me why. I was then transferred to XXXX who again asked me the same questions and then told me she could not find any account for me. I asked if they would be removing this account from my credit report since there was no information on me and she said she couldn't do that. The incorrect information will be staying on my credit report even though it is not my account. I am assuming that it is just a matter of time before it is added onto the other 2 credit reporting agencies and lowers my score on those as well.
06/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22191	Web
On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from IC System for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
08/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60620	Web
I recently ran my credit report to discover why I was denied a loan and discovered there was an erroneously report debt by IC Systems regarding a charged off Debt with XXXX XXXX XXXX. I contacted IC Systems of XXXX XXXX, MN and was told by their rep XXXX, that XXXX XXXX XXXX initially reported the debt as paid, but was then told by XXXX XXXX XXXX that my bank reversed the payment to XXXX XXXX XXXX somewhere around XX/XX/XXXX. I pulled my bank Statement to investigate and found the information given to me by IC systems rep XXXX was incorrect as my bank statement reflects the payment was debited from my checking account. In addition, the amount IC systems reported on my credit report is inaccurate. In addition, I contacted XXXX XXXX XXXX regarding this false debt reported and found that I didn't owe them anything and that any outstanding amounts were paid ( XXXX XXXX XXXX is sending confirmation via mail as well ). As a matter of fact, I changed my cable service and internet to XXXX XXXX XXXX in XXXX, and the XXXX XXXX XXXX rep confirmed that if I had any outstanding collection amounts owed to XXXX XXXX XXXX at that time, I would have been required to pay them up front before any new services was acquired. I contacted IC Systems again to inform them, and I sent documentation to prove this, and they could easily verify this information with XXXX XXXX XXXX, of which I believe that have not. I want this entry removed from my credit report and an apology sent to myself as well.
10/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33615	Web
On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 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.
04/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33578	Web
I received a collection account on my credit report on XX/XX/XXXX. On XX/XX/XXXX I called the collection agency IC System Inc to verify what this was. Initially I spoke with XXXX employee ID # XXXX who stated she could not find me in the system and when I gave her the account number as stated on my credit report she stated there was 10 people with that same account number. I asked for a supervisor which XXXX employee ID # XXXX tried to help verify the debt which is stated to be from XXXX which I have a current 5yr account with and owe them nothing. When I asked XXXX if they could send me the documention to verify this debt was mine with signatures and or proof that this belonged to me she stated " they do not have proper documentation to verify this debt belongs to me ''. Then I got transferred to another supervisor XXXX employee ID XXXX who stated that this is a debt directly from XXXX and they do not have the documentation to verify this debt and would have to request it from XXXX. I told her she can't report this debt and it needed to be removed. Per XXXX employee # XXXX this debt was opened in XX/XX/XXXX and sent to collections in XXXX of XXXX. IC Systems just recently bought this debt because it used to read as XXXX XXXX XXXX on my report which I sent them a letter to validate this debt in XXXX and it was removed because XXXX XXXX XXXX did not validate this debt in XXXX! Now IC Systems is reporting it 3 years later without proper documentation to validate it.
11/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10541	Web	Older American
Originally I responded to the cable company that this was not my account, that I did not order that service if it was provided to someone, but I did not order. Later a collection agency started collecting, I equally replay that it was not mine. That agency placed delinquency in the credit bureau and I disputed. This was their answer. Despite that, the collectors neither the cable company are able to prove that I ordered that service. the following shows it all : From the XXXX XXXX XXXX XXXX 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 : Not Specified. Here is how this account appears on your credit report following our investigation. I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Details Account Details Payment Status Account Number # XXXX Name I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$640.00} Original Amount {$640.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$640.00} Something else : The house at XXXX XXXX XXXX. in the XXXX is my property, but I am living for several years at XXXX XXXX XXXX XXXX . XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	VA 23320	Web	Servicemember
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to IC SYSTEMS INC and requested they only contact me by mail. The only response provided from the debt buyer is an invoice sent on XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. The account was originally closed with the original creditor verbally on XX/XX/XXXX due to the sale then eventual death of the pet seen by XXXX XXXX XXXX. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by IC SYSTEMS INC regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
04/30/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 700XX	Web
Certified bureau of the ( that is all that is showing for there name, on my credit report ) I have no idea who they are and I have never received credit, goods or services from this company. One day, I started received calls from this company, they were threatened to sue me and destroy my credit, if I did not pay them {$120.00}, The calls came back to back day and night, I finally gave in just to get some peace. But, I was under the belief, that if I paid them, the account would be cleared from my credit. They completely lied to me and extorted monies from me. The original account was from XXXX XXXX XXXX XXXX, I had XXXX when I went to the hospital and I guess this is some type of co pay. But, I never received a call or any mail for XXXX XXXX, stating I had a balance or requesting a payment. I was never given a chance to pay any outstanding balance, if any was due. IC SYSTEM has the same approach, they call night and day, threatening to sue and ruin my credit. They called and spoke to my friend, who answered the phone and told him, my personal business and what they were going to do to me. The original account was a XXXX XXXX account for {$67.00}. I don't have account with XXXX XXXX, nor do I owe them and monies and have never received a call form XXXX XXXX or any written notices or bills, stating I owe them monies or requesting monies. This is not my bill and has been placed on my credit report. I do not live in XXXX XXXX, I live in another city, in Louisiana
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78253	Web	Servicemember
On or about XXXX XXXX, 2023. IC System fraudulently placed a Collection Account on my credit reports for XXXX XXXX and XXXX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. IC System did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. IC System has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a Storage Unit with XXXX XXXX. I do not owe a debt to XXXX XXXX or IC System. IC System nor XXXX XXXX has never placed a inquiry of any on my credit reports. IC System knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, IC System failed to report accurate information by not including data that is necessary to validate a debt. IC System has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that XXXX and XXXX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.
11/26/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33145	Web
see letter enclosed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX TEXAS XXXX RE : REQUEST TO MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPRTING STANDARS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY AND COMPLIANCE ELSE WISE OF EVERY SINGLE ONE EACH ANY OR ALL THE ASPECTS OF ALLEGED ACCOUNT INFORMATION DOCUMENTARIFY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF THRUTH, ACCURRACY, COMPLETENESS, AND COMPLIANCE TO XXXX SOO PROVE NOW OR DELETE CLAIMS. UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annuled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY XXXX XXXX COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBALLY OR WRITING PERMISSION TO XXXX XXXX FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW collection charge off account XXXX Date : XX/XX/XXXX ALSO DATE OF ACCOUNT APPEARS ITS WRONG WAS IN XX/XX/XXXX XXXX XXXX XXXX XXXX CC.PROF OF RESIDENCE CC.SOCIAL SECURITY
09/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22405	Web
In XX/XX/2020, I received a letter form IC System for debt collection on behalf of XXXX XXXX XXXX which total in {$61.00}. I called the debt collector firm right away as I wasn't aware of any amount owed nor I do not recall I purchased anything from the hospital institution. The debt collector asked me if I want to dispute the transaction and submit a request to receive a itemized receipt from the hospital, I said yes. I stated that I do not have problem with paying the amount, but out of principle I just don't hand money out to anyone without proof of service/ receipt. The debt collector asked me look out for a letter from hospital that should arrive in few weeks. I waited, but never received the proof nor was contacted again. However, on XX/XX/XXXX, I got credit report stating that I have one derogatory account open for {$61.00} and that it was reported to the Credit Institution so it will affect my good standing! I called the debt collector again on XX/XX/XXXX and asked about this, they told me that they didn't receive any proof from the hospital but that there is nothing they can do to revert the claims reported on my credit! I paid the {$61.00} hoping it will go away from my credit report, but I am not certain and I found this tactic dirty and unfair. Even if I did own that amount, don't I have the right to see the proof before being reported to the credit bureau? Can you help me to solve this or advice me on the options I have? Thank you, XXXX XXXX
10/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28314	Web	Servicemember
I sent I C Systems a debt validation letter on XX/XX/XXXX requesting that they send validation to me, they received the letter in XX/XX/2020 and to date did not respond. this collection account was on my credit report under a different collection agency before who I disputed and was able to get it removed from my credit reports, that previous collection agency had my current address because I was communicating with them and got the account removed, in XXXX I see I C Systems reporting the SAME DEBT TO MY CREDIT REPORT. I did not get a notice of the debt in the mail and i know they have my current address because they bought the debt from the previous collection agency and that agency would have given them all information they had to verify me AND the debt and for them to communicate with me, but I C Systems failed to do that. I sent them a debt validation letter, remind you I had to get their address from the listing on my credit reports NOT from them which is a shame, its been a month since they received my letter and to date I still have no response, no validation absolutely NOTHING! I cant even go on their website to see the account information because I dont have the full account number which I would have to get from them, I shouldnt have to call them, they are a debt collector they arent on my side and will try to tie me to a debt they dont even know I owe and neither do I. I want this account removed from both my XXXX and XXXX credit reports immediately
01/16/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web
A debt collection agency known as " IC System '' appeared on my credit report displaying a past due debt of {$180.00} sent to collections under the original creditor of " AT & T UVERSE ''. This is not my debt. This very same debt and past due amount has appeared and been sent into collections within my credit report before, and in turn a previous debt collection agency known as " XXXX XXXX XXXX '' tried to collect the amount of {$180.00} from me in exchange for a removal of the collections debt from my report. After a dispute with credit bureaus and a complaint to the CFPB, this issue was resolved, and the debt was erased from my credit report. Now, it has resurfaced once again, but this time the debt collection agency known as " IC System '' is giving it their best shot. I asked them for information in regards to the debt for the purpose of verifying its validity and my role within it. They complied and provided me with the information. The debt verification info they provided was FALSE, and does NOT prove in any way or fashion that this debt belongs to me. I NEVER possessed and serviced any AT & T account under the dates and addresses they provided. At this point, I am suspecting to be a victim of identity fraud, therefore I have begun a fraudulent claims process with AT & T and have corresponded with my local police department. I have also placed a fraud alert upon my credit report. Yet, " IC System '' is still trying to collect a debt that is not mine.
11/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60609	Web
On XX/XX/XXXX2020 I received several alerts about a new collection account that was added to my credit report from I.C System from a cable bill/company XXXX. At the time I was not familiar with the debt because I had never received anything in the mail from them. When I called them on XX/XX/XXXX2020 they told me that they did not have to send me anything because XXXX sent me a bill in XXXX. I told them it is my understanding that I should have received something from them via mail or a phone call even. I confirmed my name and contact info and requested that they send me something in the mail. I received my first letter from them on XX/XX/XXXX2020 which was 13 days after it posted to my account and 11 days from the original/first letter that they sent to me ( dated XXXX/XXXX/2020 ). After I received the letter I called on XX/XX/XXXX2020 and spoke to XXXX employer ID XXXX and he told me that they attempted to send letters to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX but all of them were cancelled and never mailed out because of COVID. I then asked them how were they not able to mail me any to validate the debt but was able to send me to collections and he said because it was a different department. We that being said, per the FDCPA I didn't ; receive my letter until XX/XX/XXXX2020 which was 13 days after it posted to my credit report. That is a violation
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10901	Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11385	Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
05/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 01752	Web
We requested the cancellation of the XXXX XXXX in XX/XX/2018 as we moved to another address that the company could no longer provide us with its service because there would be no coverage at the location and as they guided us we returned the equipment at XXXX and at the time the attendant said that we would not need proof as they would automatically download the system. after 1 month of our move the XXXX sent us the last charge for a month that was not even used since we had made the cancellation request and they did not do it, but to avoid fighting we accepted to make the payment and did not make any complaints. After 2 months again after making the payment this time the XXXX sends us a new charge, but this time it would be for the equipment that was returned by us since the beginning of the service cancellation request at XXXX and thus started our fight with this company that we thought they were suitable until now because we stayed for 2 years as their customers. And even after explaining over and over again that we had returned the equipment, they still insisted on charging us for something that we returned until now that month we had the unexpected news that this company put us in collection for something we shouldn't and that was returned and that if there was an error it was not on our part and in addition we tried to contact XXXX and they informed us that they no longer have the information because the XXXX removed us from the customer system.
09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32835	Web
I.C System, INC account # : XXXX has violated my rights Under the FCRA and the FDCA. Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE! They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; This consumer has contacted me multiple times without consent and sent me letters. As well as under 15 U.S.C 1692b section 3 that states. Shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt. Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : 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. After breaking all of these laws and violating my rights I demand justice and for the account above to be deleted from my credit report.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 47130	Web	Servicemember
This company has been breaking the consumer law and violating my rights for the and refuses to comply with the law and fix their mistakes on my credit report. I am not liable for this debt with 1.C. SYSTEM, INC do not have a contract with them, my debt is with XXXXXXXX XXXX so I dont even know why they have access to my personal information which is a violation of my rights! 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe the information is inaccurate. I demand this account to be removed from my credit report all 3 bureaus immediately and Cease and Desist all communication with me.
06/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30071	Web
I have contacted I C Systems INC about a debt in the amount of {$630.00} for XXXX pet hospital. The account is not mine and is how it is spealt in XXXX not english form. The account is for a dog named XXXX which I do own but anyone can make up a name for a dog & my neighbours have pets as well in the same apartment complex. I do not know who may have done this but I know without a doubt it was not done with my conscious, present authority at the location the contract signing took place. This is a case of identity theft and I have never opened an account/ entered into a contract nor have I ever signed a contract with my signature with XXXX pet hospital . I assume my brother entered into into the contract and he has paid for the account using his credit/debit card but upon speaking with him he does not remember. I have contacted the representatives and was constantly told " I don't know '' if a police report being submitted will result in removal of the fraudulent debt. XXXX has contacted me and I have told them as well that I have never signed a contract with them. I have submitted disputes to the Credit reporting agencies and a dispute to IC Systems INC. The signatures on the contract will not match my signature on my driver 's licence nor will security camera footage from the day the contract was signed will show I was not there to enter into the agreement. I request this fraudulent debt be removed as it does not belong on my account.
09/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 146XX	Web
On XX/XX/XXXX, I received a collection notice dated XX/XX/XXXX from IC System for a delinquent XXXX account in the amount of {$470.00}. The notice stated in part, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt ... this office will obtain verification of the debt or obtain a copy of judgment and mail you a copy of such judgment or verification. '' Having no knowledge of the debt, and knowing my XXXX account is in good standing, I wrote to IC System and XXXX on XX/XX/XXXX informing them I have no knowledge of the debt, that I was disputing the validity of the debt and asked them to provide copies of all purported unpaid XXXX bills for me to examine and verify their validity. '' I sent the letters to XXXX & IC System certified mail and received USPS confirmation of their delivery on XX/XX/XXXX & XX/XX/XXXX respectively. Neither business wrote back. On XX/XX/XXXX, I sent a second letter to XXXX & IC System saying I never received a reply to my first letter and asking yet again for proof of the debt. Again, I sent the letters certified mail and received USPS proof of delivery. Instead of sending me proof of the debt, IC System reported this unsubstantiated debt to the credit bureaus, TWO DAYS AFTER receiving my second letter. An account was created on my credit file as " charge off '' and is now is now showing as a derogatory account on my report and negatively impacting my score.
01/20/2021	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 313XX	Web
I challenge the accuracy, compliance and reportability of these listings. There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow 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 items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
10/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MT 598XX	Web
On XX/XX/2020 I discovered that I.C. System Inc began reporting a collection on my credit report. The collection is on behalf of XXXX XXXX. I talked to XXXX, they XXXX 'XXXX out the account and notified I.C. System that I do not owe them any money. I disputed the collection on my report. After 10 days I was notified that I.C. System had refused to remove the collection from my credit report so I called them to give them the information I was given by XXXX. When I called I.C. System I talked to a representative name XXXX XXXX employee number XXXX and told him that XXXX had verified that I do not owe them anything. The amount in collection is listed as {$280.00}. I gave Mr XXXX the name of the contact person from XXXX who is XXXX and the reference number she gave me to confirm our talk and that I do not owe anything. The XXXX reference number is {$280.00}. Mr XXXX told me he would file a dispute. Today I received the result s of the dispute which said they would not remove the collection from my credit report. This is false reporting. In addition, I was not given 30 days to dispute this collection. Had I.C. System follow the required credit collection laws, they would have contacted me, I would have proven that I do not owe the {$280.00}. and it could have been resolved before ever having a collection. I have current service with XXXX and they can verify that I do not owe them for a past due account nor am I late on my current account.
04/16/2021	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	AZ 85629	Web
In XXXX the account in question with XXXX XXXX XXXX was verified after a dispute. I contacted the XXXX, XXXX and XXXX bureaus to remove the dispute remark since the account was verified. I.C. Systems continues to report to the XXXX credit bureaus the account is in dispute. I spoke with XXXX managers on XX/XX/XXXX and they informed me they can not remove the dispute remark because I had disputed the account in the past. I told the manager that their reporting was inaccurate because I was no longer disputing the account and the account had been verified. XXXX XXXX the manager ) specifically asked me if I was no longer disputing the account which I responded " that is correct ''. She continued to refuse to update to the credit reporting bureaus that the account is not in dispute. I specifically requested an XXXX update to delete the dispute coding and verbiage from the account. The manager insisted they can not do that even though I had verbally verified the account. She stated the only way the dispute remark will be removed was to settle the account ( pay the debt ), and only then my account will be updated. My response to her was they are free to continue to attempt to collect the debt ; however, they are illegally reporting incorrect information on my credit reports that is affecting my ability to get a home loan due to the dispute remark. Additionally, telling me the only way to remove the dispute remark was by paying the account was XXXX.
11/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 64030	Web
I just got notification from my credit report that I had a " NEW '' collections from a company called " I.C. System, INC added to my account. When I looked at the detail it was for a company I spoke to last week because I received a letter from them in the mail that I owed them money. When I called I was told it was for an old debt with XXXX XXXX XXXX from years ago. I asked them to send me information to validate this debt because I do not owe XXXX XXXX XXXX any money and I do not have anything validating the debt and now its on my credit report? I do not owe XXXX XXXX XXXX any money as I spoke to them on the same day of that phone call and spoke to their customer service representative on XX/XX/21 that told me I not owe them anything. I have her customer ID written down at work if it is needed. Now, back years ago I was an XXXX XXXX XXXX customer and they were running a promotion to switch to their XXXX XXXX side so I did. I had an issue after this promotion that they were attempting to collect a balance on which was incorrect since I was still a paying XXXX XXXX XXXX XXXX customer. I spoke to them/wrote a letter which I assume they still have all on file and it was all taken care of and I never heard of anything again because I had been a continuous customer for years of XXXX XXXX XXXX XXXX customer until actually just recent when I am in the process of moving. This company is attempting to collect a debt that is not valid and is fraud.
02/14/2018	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	NY 145XX	Web	Servicemember
My light bill keeps popping up on my credit report. I opened an account XX/XX/XXXX and theyre telling me that I have a past due balance as of XX/XX/? How is that possible if I havent had an account open until XX/XX/ where is this XX/XX/ balance coming from its over 10 years old its coming from my old account that got transferred to my new account .havent had an account opened in my name since 12 years and five months ago except in XX/XX/, So where is this XX/XX/ account coming from its coming from my old account more than 12 years ago and it needs to be taken off my credit report because its over 10 years its not brand new from XX/XX/ because I didnt open account with you guys until XX/XX/XXXXand you can see that on my credit report from the specific billThat the longest debt on my credit report is from that exact original bill 12 years and five months ago which this isthe account imtalking about. Ive called you guys numerous times Ive called the collection agency also and they dont know about the old account? If theres no previous account then where is this previous balance coming from as of XX/XX/ if I didnt open an account with myself until XX/XX/? numerous times and there told me that they cant find an account that that account from the XX/XX/ balance is being forwarded to so how do I have a previous balance of this amount if I dont have a previous account back over 10 years ago? The balance was {$1500.00} way back over 12 years ago.
09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75287	Web
XXXX/XXXX/2016, I 've sent a dispute to IC System regarding an XXXX account XXXX that has been paid. The agent name XXXX XXXX told me to send the letter and they will forward it onto XXXX to resolve this account I have been disputing for years. On XXXX/XXXX/2016, I called IC System at XXXX to get an update of my account, but the rep transferred me to an XXXX account receivable rep. name XXXX. XXXX asked for my name, account number, social security number, and address. XXXX with XXXX stated she do not show that I owe anything with XXXX for a u-verse account. I asked her please help me with IC system because they keep telling me that they are collecting these funds on behalf of XXXX. This has been a constant battle and I feel it is unfair for them to report on an account that has been paid and resolved. On XXXX/XXXX/2016, I asked the gentlemen at IC System to provide the XXXX Dept. name and XXXX phone number that is consistently reporting this XXXX Account balance of {$270.00}. The rep at IC System stated that he can not provide the name and number ; they only contact with XXXX is by me sent a dispute letter to forward to XXXX. I have sent a letter of dispute on many occasion, but it does not seem like IC System is forwarding the information to XXXX to resolve my account. Here I go again with the same run around by IC System ; IC System has not provided proof they have contacted ATT to delete the account that has been paid and resolved.
08/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 150XX	Web
I filed a dispute of information on my Credit Report through XXXX. IC System, Inc listed several 'aliases ' on my credit report that were misspellings of my name, and an incorrect address. My name is XXXX XXXX XXXX. IC System, Inc placed several incorrect names as aliases on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX. Those three names were " updated '' by IC Systems per a dispute I filed by phone, and just switched back to my real name. Obviously, these are different names and not 'aliases. ' They have not yet removed the other aliases they've added : XXXX XXXX, XXXX XXXX. I was not able to dispute some absurd, incorrect spellings of my names and wrong addresses on my credit report online through XXXX, and they say I am required to contact the collection agency to do so. This is despite the fact that the names and addresses are clearly not mine. IC Systems, per the dispute, 'updated ' the three improper names they placed on my report by simply rendering my correct name instead. But they did not remove the improper address they placed on my report and instead 'Verified it as accurate. ' And at the same time, they proceeded to " verify '' the debt they placed on my credit report associated with that address. It makes no sense that IC Systems would 'add ' several aliases to my credit report and 'update ' those, but not correct a wrong address and debt. I have never lived in Texas, nor do I have debts associated there..
02/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Web
I have a pre-paid cell phone account with XXXX that I opened in XXXX. In XXXX, I started receiving collection calls from I.C. System, a collection agency stating that I owed {$65.00} to XXXX that XXXX sold to collections. On XX/XX/XXXX, I called XXXX to find out what this amount was and why I had not received any communication from XXXX about this amount owed. I initially thought it was fraud and I called XXXX to find out more about it. They did not share any information with me about the debt and why I had not been contacted about it before it was sent to collection. I called the collection company on XX/XX/XXXX, I learned from the collection company that the cell phone number that is in collection is the cell phone I am using with XXXX to date. It is ACTIVE with XXXX and I am still using the account to date. XXXX NEVER contacted me about owing them {$65.00}. I never became aware of this debt until I was contacted by the collection agency. If XXXX had contacted me, I would have clarified for them that it was an error. The collection company also advised me to call XXXX to clear this up. When I tried to call XXXX again I was informed that I am not allowed to talk to a customer service representative and I should use the online options. I do not owe XXXX. The {$65.00} is an error on their part and if they had given me a chance I would have explained it to them. Please help me to have XXXX correct my record and not ruin my credit.
01/24/2019	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 Problem with personal statement of dispute	OH 45251	Web
Hello. I original had and outstanding debt with XXXX XXXX XXXX many years ago, they turned the account over to an Collection agency ( XXXX XXXX ). I called XXXX XXXX and we reached an settlement and I paid instantly the amount they offered which was XXXX on XX/XX/2018. Come XXXX I receive a notice from XXXX XXXX informing me that something was added to my credit report. I reviewed what was on their and it was a new collection agency ( I C SYSTEM INC ) I contacted the company to find out who was the original debtor and I was told XXXX, I explain to the agent that I never had an account with XXXX, then they stated, well, XXXX XXXX XXXX. I implied I did have an account with XXXX XXXX and that we had reached an agreement and it's paid in full. Then I was told the records show that I haven't paid anything and I owe XXXX. I ask her can I have an fax number or email to send my proof and I fax it to the company and its still on my credit report as closed but still reporting as derogatory bringing down my score even more when I'm trying to build my credit back up. I paid everything that was delinquent on all XXXX credit report and now they placed this account on XXXX. I disrupted with XXXX in XXXX XXXX and I was emailed that I C System reported that it's verified as accurate account. This company continue to report past due since XX/XX/2018 till current. I have already been reported for this month of XXXX. Can you help me with this issue?
04/16/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33415	Web
I received a letter dated XX/XX/XXXX from IC System demanding a debt in the amount of {$60.00} on behalf of a doctor 's office. On XX/XX/XXXX, I responded in writing and provided information ( credit card payment approval/confirmation code and date payment was made ) which may prove the debt to be invalid. I further requested verification of the debt, such as date of service and type of service. Before the end of XX/XX/XXXX, I called their office to provide the information verbally and to request verification of the debt. I was told that that the account is scheduled to be reported to the credit bureau in XX/XX/XXXX ( a specific date was not provided ). The lady I spoke to advised that the creditor will be informed of my dispute and no action will be taken until such time after the debt is verify. Since I have received no response, a later dated XX/XX/XXXX was sent certified mail to reiterate my conversation with their staff and my dispute. On Saturday, XX/XX/XXXX, I received an email from my credit monitoring service, that IC System reported the debt to the credit bureau on Sunday, XX/XX/XXXX. On XX/XX/XXXX, I called IC System. The gentleman I spoke to said that the system shows the account as being on hold due to a dispute and he is not sure what happened or why it was reported to the credit bureau. IC System has violated my rights under the Fair Debt Act, by failing to investigate and to provide verification of the debt.
01/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30294	Web	Servicemember
I have recently been informed that there is negative information reported by IC System in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have three amounts owed of {$260.00}, {$280.00}, and {$100.00} as charged-off. The account is showing a balance along with the past due amounts of {$260.00}, {$280.00}, and {$100.00}. This is incorrect reporting. Please delete these accounts. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with IC System and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
05/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33414	Web	Older American
Date : XX/XX/2023 Dear XXXX, Account XXXX : XXXX IC system reference No. XXXX I am writing to you regarding the debt that you claim I owe. While I do not dispute the fact that there may be a debt that needs to be settled, I would like to request that you validate the debt properly. As a debtor, I have a right to know that the debt in question is legitimate and that you have the legal right to pursue it. Therefore, I request that you provide me with a copy of the original purchase agreement that shows that you legally own the debt by the original creditor. In addition, I request that you provide me with all statements from the open to close, the treatment given, and signed with date and time and by whom in a certified statement ( or notarized ) by the provider ( ( original creditor : XXXX XXXX XXXX XXXX XXXX. I would also like to request a HIPAA document If any from the original creditor where I have signed, treatment provided, XXXX code ( Please make sure it is HIPAA certified ). Furthermore, I want to ensure that you are a legal debt collector in my state of XXXX. Therefore, I request that you provide me with a copy of your bond letter. I am confident that you understand the importance of these requests, as it is your legal obligation to provide me with this information. I would appreciate your prompt attention to this matter and thank you in advance for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 49509	Web	Servicemember
I have have attempted to repair my credit score for the last 3 years regarding a paid collections. I called XXXX in regards to my cell phone did not work properly in late XX/XX/XXXX. I was advised to pay extra on my bill to see if the system would repopulate somehow for my service to work. That did not work and so I changed providers in early XX/XX/XXXX. I paid the early termination fee and then in XX/XX/XXXX, I contacted XXXX in order to paid was turned out to be termination fees that I had gone to collections. The charges were over 200 dollars and I had paid another XXXX dollars to " satisfy '' the account. After the fees of XXXX dollars was paid, the derogatory mark still has been reporting to the three credit agencies. I can contacted XXXX, XX/XX/XXXX, to only have their representative tell me " it will only be on there 7 years '' as if this is not a big issue.I have had to pay more on interest rates over the last 3 years, due to having to explain each time why the collection, I.C system, still should on my report. I have reached out to I.C systems and was told that only XXXX can remove the report by simply contacting to do such. I have contacted XXXX, as recently as XX/XX/XXXX ( XXXX XXXX with 52 minute call duration. 16 mins spent on hold ) -XX/XX/XXXX ( XXXX XXXX with a 42 minute call duration on the first attempt was hung up on ). I will seek damages since my credit score has not been seen less than adequate due to this.
12/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33024	Web
I have received phone calls from IC System repeatedly at all hours of the early morning and late evening ( including XXXX on the weekend ). the numbers were originally from the XXXX area code. I was never able to answer the phone, and nobody ever left a message.also called from an XXXX ( CT ) number. In the past 2 days they have robocalled me from XXXX ( ID ) and XXXX ( WY ) and have either not left a message, or I have answered with the delayed response from them and hung up ( indicating a robocall ). I returned their call both times and asked who they were and they refused to give me any information until I verified my address or my social security number. I do not give out personal information on the phone. I suggested that if they wanted to collect from me XXXX which they never actually confirmed who the creditor was XXXX, they needed to send me something in writing, and we returned to other person demanding that in order to do this, i had to give them my identifying information. They hung up on me in the middle of my own sentence about why they would n't be getting my information over the phone. they called me back about an hour later and it was another delayed call without a person on the other end. If i legitimately owe a debt, I am MORE Than willing to pay it, but I 'm not giving out any information over the phone ... not when they clearly already have that information if they are asking me to " verify '' it with them.
04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI XXXXX	Web	Servicemember
I noticed several years ago, that XXXX hired " XXXX XXXX to get me to pay for a bill that was not in my name and for service at a location that no one lived at. I contacted XXXX and the collection agency each time they placed the debt on my credit report. They told me when the bill was for and where, but when I disputed the information, they changed the information to my name. The collection agency was changed to IC Systems the third time and I called them and told them this is not my debt. I contacted XXXX each time and they investigated and removed this item from my report. Today I checked with a different company credit reporting company, and they have IC Systems reporting this same XXXX dollars that I have disputed 3 times already with XXXX. XXXX does not have it listed this time. I don't know how to stop this ; I never had a bill with XXXX in my name during the time they claim this debt is owed. I have a brother with the exact same name, and he had a bill with them. I spoke to him he had a cell phone tied to services that he did not pay. This is not my debt. I can provide proof of the brother with the same name. I have been fighting creditors all my life because of this. I even placed a disclaimer on my XXXX Report warning creditors of the 2 brothers with the same name. IC Systems and XXXX keep trying to place this debt on me. Each time they report this, my credit score and image gets wiped out and I get refused credit.
11/30/2021	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 Was not notified of investigation status or results	CO 80016	Web	Servicemember
I sent 4 letters regarding my credit report to each bureau and to the collector themselves. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile prior and noticed a collections accounts ( XXXX XXXX AND XXXX. XXXX XXXX XXXX ) show up on my report. I've called them several times to dispute the wrong information being reported and I either get disconnected or the run around to figure out how this account is on my report. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been about 3 1/2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed because I am not liable for this debt nor do I owe anything on these accounts I've never had a contract with. The false information on my report is unfair. Please help me figure this out, I'm out of options and frustrated that its been almost 4 months now. These letters feel useless at this point and I've been spending extra money to have my letters overnight to each credit bureau and the collections agencies themselves. I understand that bureaus and collections agencies can make mistakes but it is very frustrating. I went as far as taking pictures of receipts and letters because they keep saying they haven't received anything. Please help me
02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92612	Web
XXXX XXXX originally sold an account that was opened in my name by someone who stole my identity to XXXX XXXX XXXX reported a delinquent account on my credit report for {$70.00}. Now they sold this fraudulent account to IC System Inc. and claim that I now owe {$770.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXXXXXX XXXX XXXXXXXX and already sent it to XXXX XXXX. IC System says that there's nothing that they can do. The collection company refuses to delete this account from their files. The collection company should be able to verify and dispute the account themselves, since they are the ones who now are trying to collect this debt. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX XXXX XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim. I have also filed a dispute with XXXX XXXX and the case # is XXXX. It is impossible to contact XXXX XXXX by phone.
03/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 837XX	Web	Older American
Account info Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Original creditor XXXX XXXX Balance history XX/XX/XXXX {$1300.00} Balance {$0.00} Schedule payment {$0.00} Paid Additional info The original amount of this account was {$1300.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Your statement Add a statement I never had any account with XXXX XXXX. They said the account came from an address in LA. Ive never lived in Louisiana. My credit history is flawless ( I used to be a lending officer so I know better ). I called them and they told me to call the police. I dont think the police here would handle this. My credit scores are Very Good with exception of XXXX. I filed complaint first that I never had address in Louisiana ( they took it off ) then that I never had an account wit XXXX. Ive always had XXXX in Idaho. They dont even have XXXX here. I pay off all my credit cards at the end of every month and my mortgage is excellent. Im baffled and very angry they can do this to someone given the facts.
10/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85249	Web
I was notified by XXXX XXXX that I had a negative report on my credit. It is a bill from XXXX XXXX at an address I lived at 6 years ago.The bill though the collection agency claims is for XXXX of XXXX. I contacted XXXX XXXX and spoke with XXXX. Her direct number is XXXX. I told XXXX that I have no knowledge of this bill and that I never had XXXX XXXX when I lived in that condo and that my husband and I have XXXX XXXX right now and are and always have been in good standing. I told her I could prove by tax records that I have not lived there when this bill was made. I then told her that I never received any notification from them to dispute this bill before it was reported negatively on my credit report. She then said I needed to call XXXX XXXX because there was nothing she could do about it. I then asked her for the number to their legal department where she gave me a fake number of XXXX. When I called that number it was a customer service number for XXXX XXXX where I was informed that legal does not accept phone calls from consumers.I then called XXXX XXXX where I was informed that they can give me no information because they sold this account to XXXX XXXX and all info must come from them. I am stuck now between a rock and a hard spot with nowhere to turn. I will assume it is illegal to put a negative ding onmy credit report without ever giving me a chance to dispute it. I was given an account number for XXXX XXXX of XXXX
04/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85009	Web
I attempted to settle the debt with IC Systems for XXXX in the amount of {$XXXX}, I had offered the 40 % of the debt, a women named XXXX offered me a settlement of {$XXXX}, I advised her I would call back. I attempted to settle the debt at {$770.00} and asked them to remove it from my credit report, I spoke with an employee by the name of " XXXX '', who I asked to send me a settlement letter by fax, or email and he advised that they do not do that, that it is sufficient with the recorded call. I asked him a XXXX of times if he was making it clear that he could not do that for me and he offered to get a supervisor, we disconnected the call. Today on XXXX/XXXX/15 I attempted to settle this debt again and this time an employee by the name of " XXXX XXXX '' helped me, I advised him that i wanted to settle the debt but I needed a settlement letter, I advised him I had problems with that in the past, he stated they dont do that. I advised him that I would put in a complaint with the CFPB, he stated " ok go right ahead '', our lawyers have advised us that we can take this action. I repeated myself, asking him on the recorded line " that if I was hearing correctly and that he was not going to provide me a settlement letter '', he stated that his office lawyers have things handled. He then asked me what lawyer I was going to use, I advised him, that it didnt matter and that I was filing a complaint. Then the call was disconnected.
05/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92883	Web
I sold my XXXX dollar truck because I wanted to get a cheaper commuter. So I asked XXXX XXXX XXXX XXXX for a loan and they are the ones who made as aware of this delinquency. I had no knowledge of any medical bills owed. I pulled my credit report and called I C Systems. I spoke with XXXX XXXX. She let me know the amount owed was {$2300.00}. However I knew that our insurance covered his service. So I called XXXX. I spoke with XXXX, she referred me to my old employer and stated it was my old employers responsibility to pay. While that didnt seem right I called HR at my old employer and she confirmed that it was XXXX I should be talking to. So I called back. I got a lady named XXXX on the other line. She said the amount showed {$2600.00}, and it was paid. She said we had a {$40.00} co-pay that we paid at date of service on XX/XX/XXXX. She said the doctors office must have sent this to collection in error. So I called XXXX XXXX XXXX XXXX and they transferred me to billing where I spoke with XXXX. She said she had no idea why this went to collections. I then called XXXX back and they referred me to their subdivision XXXX XXXX XXXX I spoke to XXXX. She said they paid this on XX/XX/XXXX and gave me a check number. She said she had an EOB and would fax it over to the collections agency to show it was paid. I am not responsible for this debt. I have never had a late payment, or delinquency in my entire 17 years of having credit.
12/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02122	Web
Hi IC SYSTEMS COLLECTION ; ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; THIS IS NOT MINE, NO KNOWLEDGE, AND FRAUDULENT ACCOUNT. 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.
05/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22980	Web
I have received collection attempts from IC System, a collection agency that now represents XXXX on a mobile phone account. I filed a previous complaint against XXXX disputing the balance. I have filed a complaint with XXXX and IC System both disputing the balance. I have paid all monies I feel are legitimate charges and the balance of {$540.00} are international data overages that I was charged in error and have disputed these charges since they first appeared on my bill. Please see my original complaint below. I am writing to file a formal complaint against XXXX in regards to my mobile device account. I have been a good customer of XXXX until recently when I went outside the country. I was charged over {$1000.00} in international data overages after their communication with me explicitly stated that there was no charge for international data, only voice. After receiving my next bill, I called customer service for assistance. My calls were put on endless holds, continuously transferred to one person after another where I would have to repeat the reason for my call and these calls went on for hours. After over 2 months of these attempts for resolution, I finally closed the account. I have made payments on the account and tried one last time today to call for resolution, only to have the same experience. I was transferred more than 3 times, repeated myself more than I should and was on the phone for more than an hour.
10/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 239XX	Web
on XX/XX/XXXX, I contacted I.C.Systems collection agency to inquire why are they continuing to update my credit bureau account that I owe a collection bill {$500.00} when they have been notified by XXXX XXXX XXXX that I dont owe this debt. I disputed this debt twice with the credit bureau and the second dispute, I included a copy of the email from the Office of the President of XXXX XXXX XXXX to confirm I didnt owe the debt. The supervisor from XXXX said on XX/XX/XXXX, eventhough I included a copy of the email from Ms. XXXX XXXX, Office of the President of XXXX XXXX XXXX, I.C. Systems refused to acknowledge it and said the collections is reported as accurate information on my credit bureau report. I called Ms. XXXX but voicemail acknowledge she is currently on maternity leave and to call customer service with no forwarding number. I researched the internet to find a number to call XXXX XXXX XXXX XXXX wireless service. They confirmed my balance is {$0.00} and that the information with I.C. Systems should not be reporting. I asked I.C. Systems to call XXXX XXXX XXXX. I was told they are no longer in charge of the debt. I advise well how will they know I dont owe this. I even advised I was on the phone when Ms. XXXX called their company to informed them I am not responsible for this debt. The supervisor from I.C. Systems said the conversation never took place and there is no notes or documents to confirm my statement.
01/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60624	Web
In XX/XX/2015 my service with XXXX was cancelled. A few weeks later I received a notice from a collection agency that said I owed {$270.00} ( which showed up on my credit report. ) I called the collection agency to work something out but they said they had sent my account back to XXXX for XXXX pieces of equipment that needed to be returned. I could only locate XXXX which I turned in. I was looking for the other XXXX. In the mean time the collection was removed from my credit report. I figured everything was settled. But I just recently got another notice from I C Systems collections that put it back on my credit report. I called them regarding the XXXX Returned equipment issue. They said they dont collect on returned equipment and that the charge was for service. I called XXXX and told them at the time this happened they said the charge was for returned equipment. Now they say it is the last bill for XXXX through XXXX. I told them the service was disconnected in the beginning of XXXX so how could I be charged for service that did n't exist? The rep mumbled something incoherent - then I asked him if I could get a copy of the bill. He said no they could n't supply a copy of the bill - I looked online and found dozens of complaints against XXXX for this shady billing practice along with even a class action lawsuit. It is unethical and abusive. They should not be able to milk extra money out of people on closed accounts.
07/24/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30165	Web
I. C. Systems , Inc. has place a derogatory report on my credit files without proper communication or documented proof of their claim prior to their actions as stated by law. I am currently seeking legal counsel to prove their actions are unwarranted. Specifically, I. C. Systems , Inc. is claiming a debt of {$340.00} to which I am pursuing information to determine the basis for their actions. A call to I. C. Systems, Inc. office number as listed on the internet received no answer. After reviewing my credit report I see I. C. Systems, Inc. is listed as a collection account opened on XXXX/XXXX/2016 and closed with a balance due of {$340.00} with XXXX XXXX which I have not had service with in over 7 years and I do not have any agreement or contract in writing or otherwise with I.C. Systems, Inc. for this account which is listed as past due as of XXXX 2016. A collection agency obviously can not extend credit to a consumer. Furthermore, the State of Georgia debt collection laws states that the statute of limitation on debt is 4 to 6 years depending on the type of debt ( Ga. Code XXXX ) from the date the last payment made. I have been informed that legally, creditors must inform consumers that they are pursuing collection of " legal debt '' and provide amounts and dates to prove their claim. I. C. Systems , Inc. have not had any communication with me prior to placing this debt on the XXXX credit reporting bureaus.
11/21/2020	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	WA 98204	Web
XXXX keeps reporting a debt from 2009, the company IC systems they continue to report about has been disputed twice and removed from other bureau 's. This debt has no supporting documentation from the collection agency, nor has ever provided me with any such documentation. XXXX is continuing to report something that is 1. ) too old and 2. ) not even valid and has no supporting documentation from XXXX XXXX. this is from XXXX trying to keep me in a contract that was only 1 year old and required renewal. I never renewed with XXXX XXXX and all of my dogs Dr bills were PIF and they actually refunded me like {$9.00} in the store due to this being a confused mess. There is no 2nd year of doggie insurance EVER requested nor approved by me. If they want to collect they need to provide documentation YET IT '' S OVER 7 YEARS OLD. I have done everything I can do to remedy this but as stated there is no contract, no signed documents, nothing that supports this debt and further nothing to verify the debt and again they refunded me aprox {$9.00} after this mess. If there is they should have provided it to me from 1. ) XXXX back in 2009 and 2. ) From IC Systems and 3. ) from XXXX. NOT 1 place has ever provided me with documentation OF THIS DEBT. Just says it's owed but no signed document from me or anything of the sort. I am requesting a remedy and/or Valid documentation to be provided NOW. Thank you, XXXX XXXX XXXX XXXX
09/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32526	Web
I have become aware of inaccurate information on my credit report because I wanted to refinance my home mortgage. With the information received on the credit report, I am not able to take advantage of the offers that would have been available had my credit report been accurate. I am submitting a complaint because there is an account recently added to my credit report identified as Collection when, in fact, the bill was paid upon receipt in XX/XX/XXXX. I visited the XXXX XXXX XXXX ER on XX/XX/XXXX following an automobile crash. The hospital took the auto insurance to process billing. Attached is documentation of the bill and payment of the bill from XXXX XXXX XXXX with service location noted as XXXX XXXX XXXX Aside from the gross inaccuracy of the information that I need rectified, I am disputing the timing of the report and how it is presented on my credit report. The reporting agency, IC Systems, is reporting an account opened XX/XX/XXXX and closed XX/XX/XXXX and reported XXXX, with manner of Payment " Collection ( I9B ) ''. Payment History indicates a Balance of {$500.00} listed in XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Since learning of this via my mortgage broker, I have received a paper bill ( " Collection Notice '' ) in the mail, dated XX/XX/XXXX ( also attached ). Please let me know when this will be removed from my credit report. If not removed in a timely manner, I will pursue legal action.
07/29/2020	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	AZ 85374	Web
In the process of repairing my credit score I disputed some old debt accounts that were listed with reporting errors and they were removed by XXXX. But I C Systems bought one of those removed old debt accounts and proceeded to reapply it onto my credit as a new debt with them and they are reporting it two times a month since XX/XX/2020. I have never directly communicated to this company nor did I receive any documents from them informing me who they were. I C Systems just suddenly appeared on my credit report claiming I had an account with them. I submitted a dispute to XXXX on XX/XX/2020 to remove the account due to inaccurate dates on debt, this collection agency bought an old debt of mine from another collection agency and were claiming it was a new debt ( 2 months ) on my credit. XXXX came back claiming that they investigated it and the account was up to FCRA requirements. But I investigated and found that what this debt collector is doing is against Federal Credit Reporting Policies. A collection account bought is considered a continuation of the original debt therefore the date of debt can not be changed to the purchase date the collector bought the account. " It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, you may have a legal case against them. ''
05/01/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	UT 84062	Web
On XX/XX/23 I received a letter from IC Systems, on the letter in giant bold letting it says " TOTAL AMOUNT OF THE DEBT NOW : {$290.00} '' Due to some health issues I wasn't able to call until XX/XX/23. I called to try and resolve the debt expecting to pay {$290.00}. I spoke to a representative named " XXXX '' and explained to her why I was calling, I repeatedly asked to pay the debt that is on the paper they sent me but she kept telling me I owed over {$700.00}. She then told me " yeah ... sorry the wording is weird on that '' but I'm not understanding how " TOTAL AMOUNT OF THE DEBT NOW '' can be taken any other way. She offered me a settlement of {$500.00}, which I wanted them to honor the amount listed on the paper. I felt this was very deceptive and a bait and switch to get me to call in so they could get my information. I asked to speak to a manager. Manager " XXXX '' got on the phone and just repeated the same thing she did, " {$290.00} was ADDED to the existing debt, it isn't what is owed '' even though the paper clearly says " TOTAL AMOUNT OF THE DEBT NOW ''. I tried to settle for even {$400.00} but they wouldn't work at all with me even though their notice they sent to me was extremely deceptive and I feel like it was a misrepresentation of the debt. I can include a picture of the paper they sent me, they even acknowledged they are seeing what I see but their answer was " it's worded really weird ''.
11/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30324	Web
Account number XXXX This is my final warning. IC SYSTEM and XXXX have until XX/XX/XXXX to remove this or I will file a lawsuit. You all have my account information and further tactics used to dodge this will not be accepted. IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies
01/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76013	Web
XX/XX/XXXX was a service we had back in XX/XX/XXXX- XX/XX/XXXX. We moved from XXXX county to XXXX XXXX and when we moved their services did not cover our new area so we stopped services at no charge. When we moved we took the cable with us however we kept having problems with service and connection and their prices we called in and because of our issues the rep agreed to have our cable cancelled and we would not be charged anything because we were not happy with services. He just told us to make sure we turned in all equipment so we do not get charged for it. We sent it all in and called to verify they received it and they told us we had no balance and we went our own ways. Now XX/XX/XXXX we live in Texas and I received an alert on my credit for a collection account for XXXX $ we have never received anything in the mail in the last 3 years. I called the collections and they told me that I will be paying it very rudely. I am so upset because they have damaged my credit when we are trying to qualify for a house and we never received any calls emails or letters regarding the debt that we do not even owe. We were assured as long as we returned the equipment we would not owe anything and now we are being told different. That is not fair and very unwthixal and we we're hoping to establish a new service with XX/XX/XXXX when we bought our home but after this I am definitely disappointed and want this issue fixed.
01/27/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 941XX	Web
I.C. Systems is a debt collection agency that has taken my debt from XXXX XXXX XXXX. I have called I.C. Systems and have attempted to get in touch with XXXX XXXX XXXX several times now, but to no avail. I have always paid my bills and am on-time for payments. I have never seen so much as a bill or any kind of alert from this medical group. I contacted I.C. Systems to find out what the collection was for and was told that it was in regard to the birth of my daughter. My daughter was born via c-section on XX/XX/XXXX, where my medical team saved my life and I was being treated by an in-network OB-GYN at an in-network hospital XXXX They are attempting to collect payment for a service where I had complete insurance coverage and they should have had my full policy information. At no point were my husband or I informed ( by hospital personnel or the attending pediatrician ) that the pediatrician who was present during the c-section was out-of-network. These services were rendered when I could not consent, and I am reiterating that I never received so much as a bill from this company prior to them sending this charge to collections. I.C. Systems is dating this charge to XX/XX/XXXX, which makes absolutely no sense. Please review this case I implore you to erase this collection from my credit report, as it does not make sense to belong there, and I am worried that this is a fraudulent charge. Thank you so much.
04/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which IC System is reporting to the credit reporting agency. I am asking for debt valisatin. Tracking number : XXXX Debt Validation : 1.Who was the original creditor on this account, and what was the account number? 2.What was the original amount owed? 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 account? 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 never received any response regarding my request and they did not update the credit report as disputed. However, they sent me a letter stating that IC System will no longer collect the debt and will return the account to the original creditor but they never did. It's still showing on my latest credit report that they are still collecting on it. IC System is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
02/17/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 184XX	Web
I pulled my credit today to find out what there as negotiable items in my reports and found out that the debt being reported that I did not incur. The first it looks like is for a cell phone or something at sprint for almost {$2000.00} and is now charged off to a collections. There is also a California address associated with the account that is reporting as a bisnuess but most definitely not mine and I have never even been to this area. Also when this account t was opened I was in intensive care on total life support in XXXX Pa. So needless to say that it would have been literally impossible for me to have opens this account. The second fraudulent piece of debt is also fro. 2019 and seems to be for a medical service. Although I was sick at this period in my life, I had medical insurance and was admitted to the hotspot for a very long ti r and they had submitted all of my info to my insurance and they had covered all of it. So this bill for {$100.00} is either a mistake or someone getting radiology service under my name, but I did not see any radiology in the fall of 2019. XXXX is all of the information that is I sorted t including t the address of the business associated with the sprint debt and a peculiar XXXX address that I have never been as XXXX users with. I also have my spouses credit card negitivly impacting my credit report and I am not responsible for that debt and have never agreed to it.
03/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95014	Web
I received 3 return packets from XXXX. I opened one ans saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only recieved automated messages. ( XX/XX/XXXX ) I went to XXXX store at XXXX XXXX, XXXX XXXX and tol ; d them of this fraudulent activity and asked to check the name as spelt on the nvelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. ( Saturday XX/XX/XXXX ) So I mailed back these packets with notes on Fraud activity. I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad. On XX/XX/XXXX I receive a call from collections ( IC Systems : XXXX ). I told them the story and asked them to record all the actions I had taken on this and why I had not received any response from XXXX, nor did anyone try to reach me. The IC Sytems instead treatened me that if I dont fill up XXXX 's farudulent report on the website, I will be in trouble. At which IO got angry, since I recollected that his website asked for too much information. And there was no way to reach nay human and talk on this issue at XXXX. Their web reviews were also extremely bad.
11/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
I was checking my credit report with XXXX XXXX on XX/XX/XXXX, at XXXX XXXX like I usually to do and I noticed that my score was down 27 points. I went to check the reason because for me my credit is very important and I paid on time but I found a Debt Collection on my report from I.C. System Inc., for the amount of {$6300.00} linked with XXXX XXXX but I never had XXXX services so I make a phone call the Collection Agency at that moment ( XXXX ). They asked me for my name, social security, date of birth, address and phone number that I provided and I denied this transaction with XXXX and explain to them that I never had this service. The representative told me that my address doesn't match either my phone number but my name, social security, and date of birth matched. They had on their records XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the phone number linked with this account is XXXX data that I do not recognize at all. They filed a case of fraud and identity theft with Reference # : XXXX. Immediately after I went to file an Identity theft report with the XXXX XXXX Police Department where I live since XX/XX/XXXX and they filed a report for fraud and identity theft case # :XXXX and because of jurisdiction issues I have to report the city linked with this fraudulent transaction I called to the XXXX XXXX Police Department after and they filed a report for fraud and identity theft with a case # : XXXX.
11/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89145	Web
On or about XX/XX/2019 I received a notification that a collection account was on my credit report from IC Systems. On XX/XX/2019 I sent IC Systems a Cease and Desist and request for validation as per FDCPA, requesting validation of the debt through : All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and A copy of proof that you are authorized to collect this debt from the original creditor. This letter was received by IC System on XX/XX/2019. They replied with a letter XX/XX/XXXX that included printouts of some account. They did not include anything that bared my signature, did not include a full account summary, or proof that they are authorized to collect this debt from the original creditor. Furthermore, I have not had an account with the original creditor during this time nor in the state listed in their reply.
08/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70122	Web
My name is XXXX XXXX a federally protected Consumer and Iam making this complaint against I.C. System for committing identity theft. I have never given I.C.System any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam aware that in accordance with Article 9, the assignment of the defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC subsection 1692 e ( 12 ). I have not validated any alleged debt with I.C.System of these alleged debts shall not be construed as an admission of liability. As of XXXX I have not received any documentary evidence, such as a trilateral contract, giving I.C.System any right to collect on this alleged debt. I have never received a documentation requesting validation from I.C.System, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt on my Consumer report, including not limited to 15 USC 1692 d ( 4 ). Which the FTC defines as debt parking. If I.C. System can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the Consumer, prior to furnishing it on my Consumer Report, this has been a fraudulently furnished account with Forethought and Malice as an attempt to bring harm to me and my Financial Reputation. Account # XXXX
03/09/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75219	Web
XXXX I called IC Systems to set up a payment. I settled the debt of XXXX to XXXX. I made a payment on XX/XX/2023. The XXXX payment which was removed on XX/XX/2023 out of my checking account. They said they would email me a copy statement of my transaction and the agreement to my email : XXXX within XXXX hrs. I have received anything from them. XXXX I called IC Systems again to follow up with email that i have not received that was to show i paid the XXXX and the agreement to pay the other half of my debt. When I called the manager said they did not have the correct address on file, therefore i need to update my current address before I can get the email notification. Then the manager said i could not get the email immediately despite the fact I have waited the 24-48 hours. She said i will have to wait another 24-48 hrs because my physical address was not updated. This is not my fault. XXXX 3rd party Representative called with 3rd party on the line to verify information and the representative said they could not verify the payment made because they did not have access to see the information. XXXX-I then called IC systems back with no one on the line but myself and IC systems representative whom said that a payment was made of XXXX and the other payment was. XXXX called again got a representative who finally found my account with a 3rd party on the line and finally verified my information.
02/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32811	Web	Servicemember
IC Systems has advised XXXX that they have " verified '' and " validated '' this account, and indeed have not. There was no initial communication in oder for me to respond or dispute said item. IC System is willfully being negligent and non-compliant with attempts to collect and report alleged debt. Per 15 U.S. Code 1681c2, this information is to be BLOCKED and removed within 4 days of receipt as it is a result of identity theft. I want to be explicitly clear with my request. I am not requesting verification of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 4 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. By responding that you have received my complaint and request, that will guarantee a contract to have said items properly addressed within the next XXXX business days.
01/07/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I C Systems Collections for committing identity theft. On XX/XX/. I checked my credit and seen that an account reporting that I never opened or authorized was reporting negatively. I have never given IC SYSTEMS COLLECTIONS yet alone XXXX XXXX. I have never opened any accounts with I C SYSTEMS COLLECTIONS or XXXX XXXX. I never gave ANY permission to use any of my identifying information to commit fraud. Until I C SYSTEMS or XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent negative open account from my credit file, if this documentary evidence can not be produced and I C SYSTEMS COLLECTIONS continues to report this unauthorized account. I will file for litigation for actual damages caused andI C SYSTEMS COLLECTIONS will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. I C SYSTEMS COLLECTIONS is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX.
06/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85224	Web
On XX/XX/XXXX at XXXX XXXX, I contacted collection agency IC System Inc., in XXXX XXXX, MN at ( XXXX ) XXXX in reference to a medical collection account for {$55.00} that was not mine, that they had reported to XXXX. I was told by a male representative that the account was in a different department and he immediately transferred me. A female representative rudely answered the phone without giving a name, stating how can I help you. I advised that I was calling about the account that had been on my credit file since 2014 to see if it could be removed. After looking up the account the representative accidentally confirmed that the original account was not mine as she was looking it up. The representative then advised that because the person responsible for the account refused to pay it in 2014, I was responsible because she believed it was my spouse. The representative then asked me if I knew the person who the bill belonged to and began asking me to give updated information for the person who the collection account belonged to. I informed to her that I was not affiliated with that account, did not receive service for that bill and was not responsible for it. I requested that ICS Systems remove the account because the representative was aware that it wasn't mine and she sarcastically told me that they don't remove information, only report it and to contact the Credit Bureaus to remove it.
07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33414	Web
I left XXXX for another phone provider, while doing so I had a payoff amount for the phone I had at the time of about {$190.00}. Rather than return the phone to XXXX I chose to payoff the device to use with the new provider. This dollar amount was verified multiple times, with XXXX over the phone as well as on my acct app, to be correct. However, after closing my account they decided to charge me about {$900.00}. After speaking with multiple representatives they all refused to honor the original device payoff. Then after XXXX collections harassing me for months, they called me and told me they were no longer going to pursue this due to them realizing/ finding the proper paperwork showing what I actually owed. Collection attempts stopped for over 2 years and now they are again trying to get the $ XXXX dollars and reflecting that to my credit report. During every interaction with XXXX and their debt collectors, I have offered to pay what I truly owed and was only offered to pay that amount as a settlement. I declined this as I do not want a settlement/ not paid in full acct on my credit report when that is not the case. Furthermore, I have reached out to the new debt collector, XXXX. XXXX, XXXX, who can not even locate any information saying I owe l anything which leaves me no avenue with the company falsely reporting to my credit report to even attempt to correct it with said company.
09/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10562	Web
My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. On XX/XX/XXXX I received a letter from IC System offering some type of " settlement offer '' however I never gave any consent to this company to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -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 and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. I have proof of it and it will be attached to this complaint that IC Systems is violating me as a CONSUMER pursuant the FDCPA laws mention above. I try to resolve this over the phone and spoke with XXXX XXXX and she did nothing about it and I also talked to XXXX or Supervisor XXXX XXXX and she stated she can't do nothing because she need it to wait for the Original Creditor ( which is another violation under 15 Usc 1692e false or misleading representations ) because I am the original creditor pursuant 15 usc 1602 ( g ).
01/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90066	Web
To Whom It May Concern, The reason for my dispute is I C System XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C System. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation CALIFORNIA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C System failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. I C System is held liable as well for defamation and in the state of CALIFORNIA a creditor is who collects their on debt is considered a debt collector under. FDCPA I fail to see where I C System is in compliance with CALIFORNIA LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. I C System. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
05/29/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web
IThis debt is not mine I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform me that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
05/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS # XXXX** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. I C SYSTEMS COLLECTIONShas not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22031	Web
I.C Systems I have sent more than one letter to this company asking them to 1- Stop contacting me 2- to remove their reporting off my credit report as I have asked to be Opt-out Of their reporting. in15 US Code 6802. Obligations with respect to disclosures of personal information I have also stated that they have obtained my personal information and is reporting it to my credit file which I have Not given them permission to do so. This Account was REMOVED from my credit file 3-4years ago and now it has been placed back on my credit file Wrongfully. I Have also put in more than one dispute with this company. This company has a collection on my account that is not my own debt. I have asked this company to provide proof of such debt Not an Invoice but a copy of contract with both parties wet ink signatures stating I ( XXXX XXXX ) agreed to the amount in question and such documents can not be provided. I wish this debt to be removed immediately, I am also requesting to be compensated for this inconvenience this has caused me and affected my credit file. The fact that my written letters were being ignored, and that I have asked to be opt-out, also this company was removed for wrongful reporting in the past but decided to report again. I also want this company to NEVER report every again to my credit profile, I want to be Opt-Out For life from them reporting to Any credit profile of mine.
11/25/2022	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	TN 38111	Web
I am in receipt of your letter claiming that I owe your company for a debt. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I have to date, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within five days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof, then you must stop attempting to collect this alleged debt. If you continue to claim I owe a debt that you can not confirm with proof, then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is not a printout or bill from you but instead actual proof of the debt 's existence. Remember you never gave me a chance to dispute the debt before you put it on my credit report without my written consent according to Gramm-Leach-Bliley Act & FCRA Law & FDCPA Law. Sincerely
07/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95117	Web
I received a letter in the mail regarding a collections debt to XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX so I called them to ask why I was receiving this letter. They told me not to worry since the account opened had an address I have never been a resident of and that it should clear up by itself. This was not the case, because a few days ago on XX/XX/XXXX, I was checking my credit and noticed my excellent credit was now fair because there was a derogatory mark against me due to a collection for {$310.00} owed to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was on the phone with XXXX different people who kept transferring me to different departments. Finally, I reached a XXXX person who gave me the street name and the account # that was opened fraudulently in my name, and advised me to go to XXXX. I went to the website and was then sent an email giving me 21 days to fax or mail them proof of identity and proof of residency during the time of this account being opened. The paperwork is very confusing and I am trying to figure it out with help from others. I am in the process of going to the police to file a report and faxing the documents they are asking for. I also contacted XXXX and they said that they need paperwork from XXXX XXXX XXXX stating that the account in question was not mine, before they clear the collection from my credit report.
08/08/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 07109	Web	Servicemember
I have no knowledge of this debt, please provide 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 requested the collection agency to provide the following information : -please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( i ) in this alleged matter. -what is your authorization of law for your collection of information? -what is your authorization of law for your collection of this alleged debt? -Please evidence your authorization to do business or operate in this state. -Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. -Please provide a complete account history, including any charges added for collection activity. -Please provide me a complete purchase what you pay for the debt. you have 30 days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. provide the proof, or correct the record and remove this invalid debt from all sources to which you have respond it.
06/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28120	Web
I was advised that IC systems has reported a disputed bill to the credit bureaus without validating and adjusting the bill to the correct amount. In XX/XX/2018, I received a call from IC Systems on behalf of XXXX. I advised the rep that the bill was incorrect and needed to be adjusted to reflect the amounts paid for cellphones. I was told by the rep that she would look into it. However, the phone was disconnected and I heard nothing else from the company. On the evening of XX/XX/2018. I received a letter from XXXX, before I had a chance to respond, I received a phone call from IC Systems on XX/XX/2018 advising me that although the bill is inaccurate, it was reported to the credit bureaus. I asked why I hadnt heard anything else from them regarding my initial dispute or otherwise and was told that theyve called me but its against their company policy to leave a voicemail and that my dispute was not honored because they didnt receive it in writing. I advised the rep that I never received their contact information, not by letter or phone and was under the impression it was handled by XXXX since thats who Ive been working with since the last call I received in XX/XX/XXXX. I was told that it is my responsibility to get their information and to validate the debt. I proceeded by asking for an email address to send a complaint and follow up dispute and was guided to their website.
11/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77077	Web
On the month of XXXX, a collection agency IC systems started reporting an open credit of {$290.00} from XXXX XXXX XXXX. This company has come out of nowhere and damaged my report for a service I havent had in years. Also, back in 2015 I paid XXXX XXXX off in full. Its been almost 3 years since I had service with XXXX XXXX and when I did have service they were paid in FULL. I return all equipment back to them the year of XX/XX/2015. All of my debt has been settled with this company years ago. I have never had an account with IC systems ever and they are damaging my credit. Also, this company is false reporting things to XXXX. This account does not show on any other credit bureau but XXXX because it is false. I called this company multiple times between XXXX and XXXX, and spoke with representatives but no one can tell me why this account appeared. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities and my current job with the city. Its also making my credit score lower as well which it hard for me to finance a new home and other things. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company. I will be contacting a lawyer to help me with this issue if its not settled.
02/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20886	Web
I had XXXX XXXX XXXX that I terminated when I moved in XX/XX/XXXX. Per XXXX XXXX instructions, I placed their modem in a pre-addressed box and shipped it back to them. They later informed me they had not received it. In XX/XX/XXXX, I spoke with a customer Support agent to verify that they had received it. I did not receive any additional communications or bills from XXXX after that date so assumed everything was resolved. This month, XXXX of XXXX, I received a notification that a collections had been placed on my XXXX and XXXX credit reports by IC Systems. I have not received any communications from IC Systems. When I called IC Systems they informed me that the collections was in fact for the unreturned modem, and that they had been sending letters to the address provided by XXXX, where I lived up until XXXX of XXXX. The agent then told me they can not offer any resolution then abruptly disconnected from the call. Of course I never received these letters as they were sent to my old address. I checked and my current address is accurate on both my XXXX and XXXX credit reports, so would have been available for IC Systems to reference. Not only was this debt previously addressed with the original company, XXXX, I received no communications neither from XXXX nor IC Systems informing me they still considered the debt to be outstanding before it was reported to Credit Bureaus.
06/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29072	Web
I C Systems, Inc., located at XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX, is in violation of the Fair Credit Reporting Act. I C Systems, Inc. placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. After doing some research, I found the original creditor, XXXX XXXX XXXX, a company that I also have no knowledge of, is associated with XXXX Hospital ER billing dept. I had only been seen at XXXX Hospital once, on XX/XX/XXXX and that bill was paid in full in XXXX through XXXX and myself. The amount I C Systems, Inc is reporting is the discount the insurance company negotiated with the provider that was applied to the bill. IT WAS NOT A CHARGE. I only owed XXXX Hospital a payment of {$59.00} after insurance paid out which I paid in XXXX. My score has dropped over 60 points due this is company 's failure to perform their due diligence instead of just purchasing random 'alleged delinquent accounts '. Again, {$580.00} is the amount that was negotiated by the insurance company. This company needs to remove this erroneous account that was added to my reports in XX/XX/XXXX since they failed to actually verify and confirm that a balance of {$580.00} was owed.
07/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33905	Web
Back in XX/XX/XXXX I called XXXX inquiring about a phone I was told our old it to XXXX call XXXX and stated to them that I never received the last bill and that I still have equipment and if they sent me the proper shipment information I will return the item I spoke to a representative he gave me a confirmation number and stated that information would be deleted do to not notify me of last bill and not sending you boxes to pick up the equipment. I called again just to verify the confirmation number XXXX representative stated they werent aware what the number was I requested that a supervisor called me and I never received a phone call. After two months of XXXX I called in again stated to them that I never received a call from the supervisor is I still have the equipment and what do I need to do with it the amount that they are requesting was {$700.00} I did not owe that amount because they failed to get their product I stated to them that I would more than be more than happy to pay the last bill and that I cancel the services and they never updated their system.This whole process is in attempt to Hendering my credit due to in accuracy and failure to Process this matter accurately Ive called several times and have yet to hear from a supervisor and was told that the account was deleted and now I have a letter from a collection agency inquiring to collect the debt that is not owed
05/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63043	Web	Servicemember
Someone open accounts using my identity as listed below se '' Account name ICS Systems COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX. Recent balance {$690.00} for XXXX as of XX/XX/XXXX. Service Date account opened XX/XX/XXXX. XXXX status in XX/XX/XXXX. In addition this same collection, placed another claim on my credit for XXXX XXXX in the amount of {$470.00} during the same time frame, which I was stationed in XXXX. This has been occurring since XXXX, every 3-4 months since I returned stateside as military member. These utilities are obtained at the address I never resided in the XXXX XXXX XXXX, Mo. I contacted ICS and informed them of the identity theft and the recurring of these services in my name at the same address. Also these accounts were transferred to them previously for collection. I spoke to XXXX and informed them that identity theft had occurred again for the same address using my PII, and addition name, XXXX XXXX. I requested XXXX to remove this name and address in question, XXXX Nebraska from my credit, due to the fact this is not my name nor my address. XXXX and XXXX, XXXX XXXX XXXX XXXX, TX XXXX acted very swiftly removed this erroneous information but XXXX failed to comply with my request. Unable to upload the police report after the fact when initiated the dispute and they could not assist. Will send XXXX a hard copy
10/18/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30034	Web
I will like to request that a investigation be conducted against I C Systems INC, for failure to honor my request of validation of a debt and providing a notification of the debt per the FDCPA. A dispute was filed with XXXX and XXXX circa XXXX XXXX in regards to an account that had previously been dispute and removed by a previous company regarding a debt that is not mine and I have no knowledge. The account number is Account Number : XXXX in the amount of {$440.00}. Per my rights within the FDCPA I request a validation of the debt. My request has not been filled and the company is in violation by not validate the debt within the 30 days allotted per the FDCPA. Yet the account is still showing as a negative account on my credit report, although they fail to validate the debt. Status : Collection account. {$440.00} past due as of XXXX XXXX. Status Details : This account is scheduled to continue on record until XXXX XXXX. This item was updated from our processing of your dispute in XXXX XXXX. I have not receive any written communication from I C Systems INC informed me that they now have the debt and my right to dispute. The company brought the account without proper validation because it was delete previously and are now reporting a invalid debt negatively which can have on me my and now I request that an investigation is complete for their failure to comply with the law.
08/09/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	CA 92056	Web
IC Systems has regularly and consistently called my phone number with the intent to harass or annoy. Calls are placed using an auto dialer and I when I answer the call is disconnected. Even though I have repeatedly announced that I am on the line and can hear agents typing, talking and laughing, the call is always disconnected by IC Systems. No matter how many times I have answered the call they continue to hang up. Additionally, when IC Systems first contacted me via mail about this bill, I responded by calling and letting them know this debt was disputed with XXXX Hospital and was under a Quality of Care review. The hospitals administration has admitted that the care received was not up to standards, including potential exposure to XXXX and XXXX due to staff failing to properly follow equipment sterilization processes, repeated lost XXXX and failure to be seen by a physician ; ultimately resulting in my leaving the hospital without care. A review of my file with the hospital administration showed it was hours before the hospital and staff realized I had left without being seen or discharged. I am asking IC Systems to cease contacting me and return the debt to XXXX Hospital to be forgiven. I do not feel like I should pay for substandard services that potentially endangered my life. I am also requesting this item to be suppressed and deleted from my credit bureau report.
06/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web	Servicemember
My son attended XXXX XXXX XXXX XXXX for several years as a XXXX XXXX. He had several services rendered under my insurance ( MEDICAID ), they referred him twice for XXXX and we were told it wouldn't be covered by the insurance that I have. After the second consultation which was because the prior one expired due to length in time since my decline, his father and the company setup payment arrangements. I believe the insurance used was XXXX or whatever system he signed up for, I do not know the details since I declined and did not have any part in the service agreement. I spoke with the both managers at the practice over the last two years on both sides regarding the issue. I advised them of the concern and was told that due to account setup they couldn't list both parties. In speaking with the manager of XXXX XXXX it was verified that medicaid was listed for his office XXXX exams and visits. In speaking with XXXX manager I continuously was given the run around and redirected to billing and asked for court documents which were provided several times. The facility sent the debt to collection in my name and still to this day I have yet to see a service agreement with terms, conditions or my signature. I spoke to the debt collector yesterday whom was not advised nor aware of the matter and stated that they would need to pull back the debt or we would need to go through court.
05/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 276XX	Web	Servicemember
I closed my XXXXXXXX XXXX account # XXXX at the end of XX/XX/XXXX when I moved. I returned all the equipment to the XXXX as instructed and was told the account was closed and I owed nothing on the phone with XXXX. No further bills were mailed to me. Once I checked my credit report in XXXX, I noticed I had a collection again my XXXX account. I contacted XXXX and they stated my account was closed, there was an error they corrected and provided me with confirmation # XXXX. The debt was never cleared off. I opened disputes through XXXX to remove this without any success. I also contacted XXXX multiple times when they stated the last person forgot to process the final steps and they would take care of it. After about a year of this process, XXXX opened a new ticket # XXXX on XX/XX/XXXX. After many hours on the phone, they finally stated they account was closed and they could do nothing about it even though they had stated the caused the problem by billing incorrectly. The debt has been passed between about 3 different debt collects with it currently sitting with I.C. System, INC who I'm waiting to receive any communication with. I have opened a dispute with XXXX, but I have no confidence this will resolve my issue. At the end of the day, this is debt I do not own confirmed by the original debtor XXXX and I need this resolved and removed from all of my credit reports.
08/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48326	Web
I discontinued service with XXXX in XX/XX/2017. The account was paid, equipment was sent back and the account was closed with a XXXX dollar balance and in good standing. XXXX sent I C Systems ( a collection agency ) an account in my name and claimed I owe them {$440.00}. This is false. I confirmed with XXXX directly that there was no balance owed. The reference number for this interaction is : XXXX. My credit score was severely affected by this. I lost over 50 points of my credit score due to this. I filed a dispute with XXXX and they sent me an email claiming that the debt is valid which tells me that there was not a proper investigation considering the fact that I confirmed there was no balance myself. As of the moment this is being written, the FALSE collections account has still not been removed from my credit report. My husband and I are applying to purchase a home in 3 weeks and due to the negligence of XXXX, and in my opinion, the negligence of XXXX in their investigation, my husband and I may have issues qualifying for a mortgage. I have worked tirelessly to build my credit score and for a false report to destroy it is just unbelievable. I have never missed a payment or even had a late payment. I have done my due diligence. How can a company send a made up balance to collections and ruin a persons credit score under false information and not be help responsible?
11/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 90012	Web
On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit my credit report.
12/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 119XX	Web
XXXX XX/XX/XXXX I On XXXX XX/XX/XXXX, I received a collection notice from IC System n the amount of {$170.00} for equipment belonging to XXXX, a cable company. The account was closed by me one year ago and its status on the XXXX site is AMOUNT DUE {$0.00} No payment is due. The equipment ( two cable boxes ) was via XXXX XXXX on XXXX XX/XX/XXXX and DELIVERED on XXXX XX/XX/XXXX. TRACKING NUMER XXXX ( see shipment details below ) THIS IS THE THIRD TIME that I have provided proof for this returned equipment. 1 ) In XX/XX/XXXX, XXXX XXXX XXXX XXXX sent an erroneous bill in the amount of {$170.00} for this equipment. I provided PROOF OF SHIPMENT and DELIVERY by email XXXX XX/XX/XXXX See to XXXX on <> 2 ) IN XX/XX/XXXX, XXXX XXXX XXXX attempted to collect this equipment charge of $ XXXX. I again provided the tracking number to a collection agent. 3 ) On XXXX XX/XX/XXXX, a third erroneous bill for {$170.00} arrived. NOW its I.C. Systems. I immediately Telephoned to XXXX ( spoke with IC Agent # XXXX ) and provided the XXXX tracking number again. I also have to send them a letter by POSTAL MAIL -- IC systems doesn't accept email. PROOF OF SHIPMENT ATTACHED AGAIN XXXX XXXX TRACKING NUMER XXXX
07/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30316	Web
There has been a collection of {$770.00} on my credit report since XX/XX/XXXX from I C System. I have disputed this collection several times, only to get the results that it can not be removed because it is verified to be mine by I C System. The last dispute number I did on XXXX is # XXXX. On today, XX/XX/XXXX, I contacted I C System at phone number XXXX and was connected with an agent by the name of Ms. XXXX XXXX, badge number XXXX, to try to see what the collection was on my account. She stated that she could not locate the account with my name, phone number, or address. I asked if she could contact a supervisor to aid her with finding the account. Ms. XXXX XXXX, badge number XXXX, was the supervisor on call. Ms. XXXX searched for my account as well. They both looked at every person who has my name in XXXX and were not able to find the account that they are reporting. The last time that I C System reported to the credit bureaus ( XXXX and XXXX XXXX was Sunday, XX/XX/XXXX. After being on the phone for 44 minutes, the agent and supervisor could not verify any account in their system connected to me. I am filing a complaint because I asked the supervisor, Ms. XXXX if she could send out a letter verifying my association to this account and debt, she said that she could not do that because she does not see an account/ debt linked to my name, phone number, or address.
01/16/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43219	Web
The company violated my rights under the fair debts collections practices act in that i have never received the following. No attempts or Notifications by mail in order to dispute their actions if any taken. Indicated on my credit reports that the debts was owed without my signature or original documentations that i agreed to a third party collections. The company went to XXXX and said that i opened an account with them which was a fraudulent and blatant Lie in order to collect an alleged debt with them. The company name is I.C. Systems XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX alleged amount owed XXXX ending account number XXXX I received this information by XXXX identity theft protection. My identity theft happened in this state of where government offices was notified by my affidavit of identity theft because someone has taken out credit in my name for houses and utilities. On XX/XX/XXXX i did not open or agree to them to collect any debts via 3rd party with them and only the originator of has the right to contact me not them. Deceptive tactics was used by then which is illegal. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act
09/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43229	Web
To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report I C SYSTEMS COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
05/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 441XX	Web
I have disputed this debt with XXXX several times. This is debt that i do not owe. Ive never had any relations or business with this company. They continue to furnish this debt on my credit report and have failed to report this debt as fraud. They have violated several of my rights and broken several laws. I havent given XXXX my written instructions or consent to furnish anything on my credit report. Nor have I given them permission to pass on any of my information to any third party person! They continue to violate my rights. If this account isnt taken off of my credit report with XXXX relief i will file for litigation immediately. According to 15 USC 6802. No financial institution is supposed to share my information to third-party people. According to 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. i have not given these accounts ( below ) or XXXX/I.C. System my written permission to furnish these accounts on my credit report. I.C System INC account # XXXX. ( Original creditor XXXX )
10/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23503	Web
I have been disputing with a collection agency by the name of I C System. They have reported to all three credit bureaus stating that I owe them in the amount of {$1300.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XXXX 2019 and XXXX 2019. The company REMOVED the account from my XXXX XX/XX/2019 ; however, the company has placed the account back on my report XX/XX/XXXX. 2019. In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay I C System and they have not responded to any of my correspondence. Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if I C System can not validate the debt, they must request that all crediting reporting agencies delete the entry. Again, they have not sent any evidence nor have they responded to any of my letters.
09/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35405	Web
Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
09/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08205	Web
ALL INFORMATION I HAVE : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I C Systems Date Reported - XX/XX/2022 Payment Status - Collection/Chargeoff Account Status - Derogatory Amount Past Due- Not Reported Account Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- Original Lender - XXXX XXXX XXXX Account Type - Not Reported Responsibility - Individual Age Of Account - 1 Years, 5 Months Credit Limit - Not Reported Highest Balance - {$240.00} Payment Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount Past Due- Not Reported Date of Last Payment- Not Reported Monthly Payment- Not Provided Payment Frequency - Not Reported Lender Info -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I called the number provided but first, it just rang and then second, when it did not through no one answered. I do not not know if this is an issue on my part or theirs but yeah. I do not recognize any companies here and do not recall a 1 year, 5 months old account with a debt of {$240.00}. I do not think this is my debt and I do not have any more information to prove otherwise. I looked more into only and really many people have had the same issue of these companies showing up in their credit report with false claims of debt collection. Not sure if this is a scam of theirs but it should definitely be looked into just in case. Thank you.
08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74105	Web	Servicemember
I switched cellphone carrier 's on XXXX went to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX or XXXX were annotated on the bill. -I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request, but I never was contacted. XXXX XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX of {$280.00} but no mention of the XXXX {$260.00} payment. -Then on XXXX I received a collections notice form XXXXt on behalf of XXXX stating that I owe {$340.00}. Now its being sent to I.C. System Inc. another debt collection company. To date I have not received any follow up from XXXX regarding my XXXX payment of {$260.00} towards my XXXX account. Also, when I logged in online on XXXX to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX, I began receiving bills that made no sense and my online account did not allow me to see all the billing. PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS AND MY PREVIOUS CFPB COMPLAINT AGAINST CONVERGENT.
07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 273XX	Web
I checked my credit report after getting a preapproval for a home loan in XXXX, 2022 and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last 3 months and have not gotten anywhere. They are very rude and intimidating. XXXX XXXX told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of 2022, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. The others, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me severe anxiety and XXXX because I am not able to move any further. I am begging for someone to help me with this please.
01/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 851XX	Web	Servicemember
XXXX fraudulently added charges to my phone bill. We had a total of 5 phones 2 for myself 2 for my fiance at the time at 1 for her XXXX XXXX XXXX daughter. The XXXX XXXX XXXX became defiant and moved out so we suspended the line and XXXX guarantee we wouldn't have to pay any charges for voice services on equipment charges. We paid paid all of our phones off and when it was time to renew our contract we decided to go with XXXX instead of XXXX due to us moving to a new city and XXXX had better coverage. We paid our entire bill and phone on the same day located XXXX XXXX XXXX XXXX XXXX # XXXX. Sometime later I received a call from XXXX saying we still owed them and we know we paid our entire bill. So i asked for a breakdown of charges. The lady proceeded to tell me that when we ended our contract with XXXX that the line that we suspended and hasn't been paying for for over a year didn't get canceled and was reactivated when we canceled the other 4 lines. She couldn't explain how it happened or how it made sense to start charging for a line that was anyway suspended and not in use. I verified that it wasn't due to any equipment charges and she confirmed. This debt was caused either by intentional fraud in XXXX behalf or due to a system error. But the debt is not mine and XXXX needs to fix this as now a debt collector is trying to collect a fraudulent debt.
04/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web
I was contacted by phone on XX/XX/XXXX and informed an I.C. System representative named XXXX XXXX the account they called me about was related to identity theft. I also informed her that they were not to contact me anymore via phone. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from the same company about the same alleged debt. On XX/XX/XXXX. I faxed a fraud affidavit, the police report and submitted a dispute online regarding the fraudulent account. On XX/XX/XXXX, this account was reported on my credit file. The letter specifically stated that I had 30 days to dispute the validity of the alleged debt and they put it on my credit after 8 days of being made aware. They knowingly and willingly caused me damage and violated the FCRA and my personal credit rights. I called on XX/XX/XXXX, XXXXand spoke with a XXXX XXXX and informed him of the violation and the call was disconnected somehow, but after he verified that the account was XXXX out. On XX/XX/XXXX, I called very upset and spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX to question why the account was still on my credit file. They simply stated that it was in the process of " being deleted. '' In the meantime, I was in the process of shopping for a new vehicle because I was having car problems. Their reporting of this account resulted in me being left without reliable transportation for my family.
05/07/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 786XX	Web
On XX/XX/XXXX, I noticed a collections on my credit report from this company and sent a letter requesting verification of the debt, as I did not recognize it. I have not received a response as of the submitting of this complaint. On XX/XX/XXXX, at XXXX XXXX, I received a telephone call from an unknown number. The caller stated that they were outside my residence to have me sign " court papers. '' I asked them if they were a licensed process server -- they did not answer ( they said " I have a certificate from the state, and I'm trying to just get you to talk to this company '' -- they did not confirm that they were or were not a process server ). This caller advised me to contact I.C. Systems at ( XXXX ) XXXX and to reference file number XXXX. I called the number, and referenced the file, and they pulled up the debt I had disputed with the credit bureaus and via certified mail.They still have not responded to my debt verification request ( as it has not been 45 days yet from the date of my dispute ), but, per the FCRA, are required to cease all collection attempts. In addition to telling me I had been sued and " had to sign court papers '' for a lawsuit I was not noticed for ( and a lawsuit which does not exist in my county of residence ), they engaged in debt collection practices today, which are prohibited per the FCRA while a debt is in dispute.
02/08/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	UT 84096	Web
Debt collector " IC Systems '' sent a letter dated XXXX XXXX, 2017 notifying my daughter XXXX XXXX that she owes {$93.00} on a medical bill. IC Systems is collecting on behalf of XXXX XXXX. XXXX left XXXX XXXX 2017 to XXXX for 18 months and is out of state. ON XXXX XXXX, 2017 I called XXXX XXXX and confirmed that the debt had been paid. I then called IC Systems. I was very concerned that while XXXX was gone for 18 months that her credit remained in good standing. I told the representative that I was inquiring about why they sent the letter. The representative told me that if I was n't XXXX they could n't tell me anything. I told her that I was XXXX 's father and her legal representative while she was out of state on a 18 month XXXX. The representative became hostile and rude, and insisted that even though I was acting in good faith and was XXXX 's legal representative, she could not confirm the debt collection information or reassure me that the debt had indeed be paid off according to the Doctor 's office. I told her that I thought her actions were not right and that if her company sends a debt collection notice, when the legal representative calls to inquire, the debt collection agency has an obligation to confirm the debt amount, if owing. She insisted she could not, I told her I would then call the FTC and file a complaint. She said " Go ahead ''.
07/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 482XX	Web
In XXXX of XXXX, I was lied to about internet service speed received from XXXX XXXX XXXX. Was told that they had the fastest internet speed in the area, but was not true. TV service stayed in buffer mode 95 % of time. Called to cancel service within 30 days and was advised that they do not have a customer guarantee program, but due to false advertisement of their internet speed in my area ( which interfered with my ability to watch TV free and clear of buffering ), I would only have to pay {$90.00} of the bill and they would credit off the rest due to the poor service received. I paid {$90.00} on-line. A few months later, derogatory information appeared on my credit report and I was contacted by a collection agency. I disputed and provided payment information and my credit report was corrected immediately. Now, 2 years later, XXXX XXXX XXXX has hired another Collections company to come after me. I disputed again and the results came back that the debt is valid. I also called XXXXXXXX XXXX XXXX regarding this and was advised that they would get back with me in 7 to 10 days. I am still waiting. The agent advised ( when I called to question the collection activity ) that they do have record of the {$90.00} payment I made with the transaction number. At this point, I am getting the run around and being harassed by XXXX XXXX XXXX about a debt I do not owe.
04/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95762	Web	Servicemember
I was a renter at a property at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I moved out, and received a release on XX/XX/2016. I received my full deposit as well. I had called XXXX XXXX XXXX XXXX, and canceled my account at that address. The landlord/owner claimed he had family coming and stated he would have them continue service, but of course in his name. XXXX XXXX, made an error and did NOT change the name. I was never notified by any party, and only discovered a collection for {$290.00} when I checked my credit. I talked directly with XXXX XXXX XXXX XXXX, and they said I need to work with the owner, which is not correct since I could prove I had called to disconnect, and I also had proof of not living at that address at the time of the charges. I called the landlord/owners representative, a rental agency, and they agreed the owner would pay, as he had possession of the property. They never paid, and will not return calls at this time. I disputed with all three credit bureaus, and they did ZERO investigation, and let the collection. I.C. System, INC never sent any information to me, or request, and have inappropriately reported a collection without ANY investigation!!! Or contact!!! I have attached a letter from the owners representative, confirming, I now longer resided their, nor was I responsible for any utilities at the time this bill was referring.
07/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94561	Web	Servicemember
In XX/XX/XXXX, XXXX XXXX XXXX agreed to accept my daughter and I as new clients, knowing he was leaving the provider XXXX XXXX, approx 2 months later. We saw this dr twice, and received a bill for over $ XXXX a few months later ( XX/XX/XXXX ). I called the provider under which the dr was working, and I was told to disregard the bill as my insurance was not billed for an unknown reason. I never heard about this again until I called in XX/XX/XXXX to schedule an appointment for my daughter and I. My appointment was refused as the provider claimed I still had XXXX balance over $ XXXX. An appointment was booked for my daughter However, my insurance properly billed, and my co pay was {$40.00}. Same insurance, same providers. Not only did XXXX XXXX vanish sending no notice about any balance, but his termination with XXXX XXXX XXXX was abrupt, unnoticed and neither XXXX nor XXXX contacted me regarding this debt, that should have been submitted to my insurance as agreed, and which should have and would have been paid with very little owed by me. Today, my credit score is affected and in turn, my interest rates, my commercial lease amounts, and my credit offers. I am a business owner, a collections account with no notice, and in violation of multiple laws, is now damaging me. I submitted a dispute and it simply came back accurate. I received nothing more.
01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32818	Web
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living 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. Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness. I am highly requesting as a part of your investigation : Which Neighbor did personally interview? Which Friend did you personally interview? Which Associate did you personally interview? The name of the original creditor The creditors ' address and telephone number. The persons name they verified the dispute with The Valid documentation used to validate the dispute. Also, the procedures your company has in place to ensure maximum accuracy with my consumer report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
06/04/2023	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	MD 20878	Web
In late XXXX I discovered a collection on my credit report ( s ) from I.C. System, Inc. in the amount of XXXX XXXX, XXXX XXXX, XXXX Dollars and XXXX XXXX ( {$1100.00} ). I sent two separate debt validation request letters to I.C. System, Inc., both of which were sent via certified mail with return receipt requested. The first letter was sent on XX/XX/XXXX, and the second letter was sent as a follow-up on XX/XX/XXXX. Despite following the appropriate legal requirements for requesting debt validation, I have yet to receive any response from I.C. System, Inc. This lack of response raises serious concerns about the validity and accuracy of the debt in question. The FDCPA clearly stipulates that debt collectors must provide consumers with certain information upon requesting that I.C. System, Inc. prove that they are in compliance to collect such debt including the original contract with my signature of the debt, the name of the original creditor, and the amount owed. By failing to respond to my debt validation letters, I.C. System, Inc. is in violation of these provisions. I would like to emphasize that my intention is not to evade legitimate debts or disrupt lawful collection efforts. Instead, I seek transparency, accuracy, and fairness in the debt collection process. As a consumer, I have the right to verify the legitimacy of any debt being pursued.
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30084	Web
XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX as well as I C SYSTEM INC : Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Balance {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.
08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30324	Web
In XXXX of 2020 I moved into my new home at XXXX XXXX XXXX XXXX in XXXX. My new home was new construction and when I called XXXX to transfer service from XXXX XXXX XXXX XXXX XXXX advised that they did not have the infrastructure to provide service to the newly constructed home. The tech on the phone explained that since XXXX was not available yet in my new neighborhood their would be no termination fee. I subsequently took the XXXX equipment to the XXXX store in XXXX and the store tech re-confirmed that there would be no termination fee. I returned the equipment and paid my bill in full and got a receipt. Subsequently, I received a bill from XXXX for the equipment and termination. I called them multiple times to remove the charges. Nonetheless, the bill was sent to a collection agency last year. I disputed the bill and remitted the receipt for the equipment. It has now been placed with a different collection agency ( IC Systems ) and they are offering a settlement. I called and explained this and they refused to provide an email address or fax number for written communication. The bill is for {$400.00} and I have already lost more than that amount in the loss of productivity because of the time spent on the phone. I would like this resolved immediately so I am not threatened with negative impacts to my credit by this fraudulent behaviour.
01/08/2019	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	NJ 07094	Web
While checking report today, I saw that there was a derogatory condition for collections on my credit report and I started to get details from my bank and finally got to speak to the debt collector named I C SYSTEM INC. When I called them to inquire about the reporting condition, I was told that its a medical bill from my doctors visit on XX/XX/XXXX, I asked them if they tried calling me or send any mail. The lady over the phone was skeptical to give those details, she put call on hold 3-4 times and she stated that they sent a mail in XX/XX/XXXX, she initially mentioned that the mail got back to them. I have no recollection about the letter for collections being sent to my home address. The lady also told me after further investigation from her end that they tried calling me twice, but they did not leave any voicemails, everything seems sketchy to me. I feel that I am a victim of I C SYSTEM Inc 's negligence and lack of responsibility in collecting the right way and they just reported my credit stating I am not responding or paying the amount ( {$91.00} ). I have asked them to mail me the statement or charges from the doctors office, for which the lady said she doesnot have it and she has to request it. I dont understand how they can collect when they dont have details of collection. I have made the payment today to get out of the situation.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33755	Web
I am making a complaint against XXXX XXXX XXXX XXXX because in XXXX of 2019 my account was compromised. I was aware that I had 2 lines on the account and then my phone was shut off due to lack of payment. I traveled to my local XXXX XXXX XXXX XXXX to find out why the phone had been shut off and why the monthly bill was now way higher than the normal. After speaking with a representative at my location I found that there were now 22-23 lines on my XXXX XXXX XXXX account. I was shocked and so was the representative, solely because I had a personal account, which should have only allowed for a total of four lines. I was then advised to leave the account as it was and open a prepaid line so that I could have use of my phone until I could get to the bottom of everything. After another call to XXXX XXXX XXXX I was told that these lines were added to my account on XX/XX/2019 in XXXX. I was in XXXX, Florida at the funeral of my grandfather and could not possibly have added lines to my account that day. The only names on the account were my own and another gentleman of whom did not have authority to make any changes on my account. I, in some way, was still deemed at fault even given this information. I had no part in these lines being added to the account and have no idea how or who added them and should not be held at fault for these fraudulent acts.
04/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28270	Web
I C systems is attempting to collect on a medical debt they erroneously acquired by XXXX XXXX XXXX XXXX NC, LLC but has refused to provide me with any documentation or proof of service. Before it was erroneously sent to collections, a false claim was generated for services which did not take place. The erroneous claim was also sent to my primary insurer, who partially paid for services that were not rendered and were submitted fraudulently. XXXX XXXX was attempting to bill for services that did not take place, successfully billed my primary insurance anyway, and then sold a fraudulent debt to IC Systems. There was no service and therefor no bill could have been generated without committing insurance fraud. This has been an ongoing problem with surprise billing, balance billing and insurance fraud in North Carolina, specifically with XXXX XXXX XXXX XXXX NC, LLC when they provide services through XXXX XXXX facilities. Additionally, XXXX XXXX XXXX, LLC did not contact me before selling this to collections, so I had no opportunity to correct the situation at the time of error on their part. I have requested itemized statements from both IC Systems and XXXX XXXX XXXX XXXX and they have refused to provide them unless I mail a letter requesting it. I have sent two letter to the address provided and both have been returned to sender as undeliverable.
01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30342	Web
Fraud has been committed on my Consumer Report which violates the FCRA and FDCPA. I. C. System, Inc. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required purchase agreement Evidence that you are a licenseded debt collector Chain of Title Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all Communications activities and have the tradeline line deleted from my Consumer Report. Also see attached letter
04/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 40165	Web
In XX/XX/XXXX I had a cable account with XXXX XXXX XXXX XXXX every month Bill would increase every month I called to have it resolved they would correct it.The following month same thing would happen and say they had no record of my calls this continued for 3months I finally told them I was cancelling paid my bill in full, and returned their equipment thru XXXX in that same week of canceling in their alotted time frame .Their claim is I owed for late equipment at the amount of XXXX .I went a year back in forth faxing my receipt from XXXX where I sent it back on time phone calls with every call no record of me speaking to individuals even when I would repeat their name and badge number. I recently found XXXX XXXX XXXX had sold my so called debt to ic systems which put a debt of XXXX on my XXXX XXXX report on XX/XX/XXXX. I placed a dispute with XXXX XXXX case number XXXX with no avail with that being said I don't feel as if XXXX XXXX investigated thoroughly partially being my fault I don't feel as if I gave them enough info but I did in fact try to contact them with more info and never received a reply thank you for your time and I hope if nothing else people will stand up against companies like XXXX XXXX XXXX I know I'm not the only one they have done this too.i have since then bought a house and all my debt is in good standing and on time..
08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33624	Web
I received a letter from XXXX ( a division of XXXX XXXX ) that offered to " remove [ my ] prior debt '' if I signed up for new services. I checked my credit report on XXXX XXXX and discovered that IC System had reported a collection account opened on XX/XX/2021 in the amount of {$420.00} to XXXX. I have not had an account with XXXX for many years. We opened an account with them when we first moved into our home but their services were so unreliable that we closed the account shortly thereafter. All equipment was returned and the account was paid in full. I have received notices from other collectors in regard to this account in the past. Each time I have disputed the account and requested that they verify the account with XXXX. I have never received verification and the account either never appeared on my credit report or was immediately removed. In this case, IC System did not send me any letter indicating that this account had been assigned to them. Furthermore, the date they used when they reported it was false. I believe that this is a cooperative marketing scheme seeking to blackmail former customers who they should KNOW do not owe them by hiring a debt collector to place the account on those former customers ' credit reports, then offering to instruct that collector to remove the account in exchange for returning as a customer.
02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43110	Web
In XX/XX/XXXX, i discovered that XXXX, also known as XXXX XXXX, was raising my rates. Upon discovering this, I decided to switch from XXXX XXXX XXXX XXXX XXXX. I ordered XXXX XXXX XXXX the start of XXXX, XXXX, and contacted XXXX via telephone and disconnected my services. I lived in an apartment- i could not have both services at the same time as they both utilized the same port for services. Around the end of XXXX, XXXX, i received an email from XXXX stating that my bill was past due. I contacted XXXX and was told that my disconnection request had not been processed, to which the agent processed it at that time. I was then told i was still responsible for the full amount of the bill as they do not prorate services. I informed the agent that my services were " repay '' and that, at the time they charged me for services, i was with XXXX XXXX XXXX i was not paying for two internet providers when only one was providing services. Fast forward to XXXX, when i submitted the complaint to the XXXX, XXXX, aka XXXX pretended to contact me in regards to my complaint and never followed through. They called me once. At their request, i replied back and called XXXXXXXX XXXX XXXX XXXX and left her MULTIPLE messages to contact me back, to which she never did, to both her voicemail and through multiple customer support agents. I also sent her an email.
10/20/2021	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	NC 27707	Web
I initially contacted XXXX on XX/XX/2021 via written communication concerning an item listed in collection for the amount of {$210.00} published on my report by I C Systems. I disputed the item as " questionable '' as I have no idea as to why this is listed on my report. At the time of initial dispute " Affected by natural disaster '' was reflected in the comments. Prior to obtaining a copy of my credit report I had no communication verbal, written or otherwise with the collection agency nor have I recently been affected by a natural disaster. The result of that dispute was that the item was " verified '' and the " Affected by natural disaster '' comment was removed. I subsequently submitted a dispute for method of verification on XX/XX/2021. I asked specifically for ALL correspondence and conclusive documentation of my ownership of alleged debt. The response I received on XX/XX/2021 was a general response as to how XXXX conducts its investigations. It is my belief that this item in fact has not been verified and they have failed to comply with my request to properly investigate and delete from my report. To date, I have not received any form of response from I C Systems as result of this indirect communication. The item in question is still published to my credit report and the collection agency continued to report while in dispute.
03/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AK 997XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XX/XX/2020 IC Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I was notified by your company on XX/XX/2020 through A credit report regarding an alleged debt. I have reason to believe I do not owe this debt because I did not receive any communication from this company about a debt. Furthermore I have never given any of my information to your company. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Alaska. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. Sincerely, XXXX XXXX XX/XX/2020 2020
01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 557XX	Web
In the past XXXX we have moved into several different rental properties. Each time, we returned our cable internet equipment per the agreement. We noticed that the branch office where we were returning equipment was becoming increasingly defunct and disorganized, each time becoming more and more frustrated with their services. Each time we returned equipment, we were told that all we needed to do was leave it with the customer service employee at the front counter and every single time we did. Over the past XXXX years, XXXX XXXX has attempted to report a debt on my credit report to XXXX. The other credit reporting agencies will not accept their request because it clearly lacks sufficient basis in fact for reporting. Yet, XXXX repeatedly allows this vague report of my credit as a collection. XXXX has been repeatedly told and warned that the debt they are claiming has no basis in fact yet they continue to report the debt to my XXXX ( only ) credit. The collection agency has also been repeatedly warned and told that the debt is not legitimate. I do not owe them any money for any equipment or any services and any claim that I do based on the incompetence of their employees is absurd. If the equipment is lost, it was lost in their possession not mine. Consumers have no use for cable internet equipment after the service has discontinued.
09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33056	Web
Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company IC SYSTEM is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15. The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by Wells Fargo. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( IC SYSTEM ) to review the documents I provided.It would be the IC SYSTEM legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, that is due on XXXX XXXX. I don't consent to you marking my CFPB complaint as a duplicate.
07/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web	Older American
I cancelled service with XXXX XXXX XXXX on XX/XX/XXXX on the basis of No Contract allowing cancellation at any time. I received a bill from XXXX that covered the period of XX/XX/XXXX thru XX/XX/XXXX. Only 3 days not 31 days of service was actually provided. I was contacted by a collection agency ( XXXX XXXX XXXX of XXXX. TX ). I sent them a dispute letter and a check for the amount which I considered owed {$17.00} ( XX/XX/XXXX X {$180.00} = {$17.00} ) as payment in full. They never responded to this letter or cashed the check. When I followed up with the phone call to ask what the status was and why I didn't hear a follow-up to my dispute, they said that the account is cleared and I owed nothing. Several months later I received a duplicate collection notice from a second company, I.C. System, Inc of XXXX XXXX, MN dated XX/XX/XXXX. Following dispute an " Account Validation '' was received from IC System which said {$180.00} is still owed. Package contained a series of statements that indicates that regular full payments were always made on-time with the exception of the last bill which is in dispute. It also included a statement subsequent to this last bill that indicates that total amount was fully written off by XXXX. Accordingly validation shows nothing is currently owed and a revised statement to reflect this should be provided.
05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30269	Web
XXXX XXXX XXXX cancelled my phone and internet service due to my adding XXXX service to my office in XXXX XX/XX/XXXX. It sent a revised final invoice on XXXX/XXXX/XX/XX/XXXX, which seemed to suggest there was a termination fee. I asked XXXX & XXXX for proof of any termination fee, as I did not have such a contract with them ; XXXX XXXX XXXX provided a copy of a XXXX page fax that did not have any termination terms and did not reflect the type of service listed in the bill. Despite having disputed the payment with XXXX XXXX XXXX and getting a resolution, XXXX XXXX XXXX placed the debt with XXXX. XXXX called my office repeatedly, and in XXXX XX/XX/2014, I filed a Notice of Dispute with XXXX XXXX XXXX. My attorney was assured that collection calls would stop while XXXX XXXX XXXX investigated the file, however, XXXX XXXX XXXX never responded to the notice with documents showing that I had any obligation to pay the {$1400.00} bill. Instead, XXXX XXXX XXXX transferred the alleged debt to IC System, which continues to call to collect a nonexistent debt. Litigation was filed with XXXX in XXXX of XX/XX/XXXX however IC System continues to phone at my office, where I am a XXXX, interrupting patient care. I have informed IC System that they are not allowed to call at my office, however, XXXX XXXX of IC System says that she will continue to call.
01/19/2024	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	TN 37167	Web
I tried to move. When they pull my report they told me I had {$1000.00} debit on my credit report. I called the company they couldn't explain and couldn't find notes. I called the agency at the time. They couldn't explain. I disputed through my credit report and they removed it. 2 months later they put it back under a different agency. I've had issues since then. This bill is not accurate. There is no way they would allow someone not to pay and they still have service. On one call they said I didn't return equipment. I found a receipt that shows I did in fact return equipment. Please help me. This is NOT accurate and it's wrong of them to keep reporting this year ' after year. I don't know what todo. No cable company is going to let you keep service month after month with out you paying your bill, but they are telling me. That's what this is and equipment fees. When I asked for an itemized bill. It started with {$300.00} something dollars ( no explanation ) then continued to add charges from there. Things that I wasn't suppose to be charged for was on there. I'm told they can't see the notes but I'm expected to just pay it. This is not right. I had not had service for 5 or 6 years when they put this on my report put the blue. I think it's wrong they couldn't get the notes and details buy they have a balance that doesn't make sense.
04/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 151XX	Web
I had an appointment with XXXXXXXX XXXX XXXXXXXX XXXX in XXXX PA in XXXX of XXXX in which I received no medical service whatsoever and was only given a questionnaire to fill out and told to return in 2 weeks. Upon return for the second appointment, I was asked for {$250.00} CASH payment up front, despite being insured, which I refused to pay and cancelled the appointment. I was not informed until the day I showed up about this request for CASH up front. Several weeks later, I received a bill for {$140.00} for the appointment in which no service was provided and I was only given a questionnaire and sent on my way. I believe this was done out of spite because I refused to pay the {$250.00} surprise cash payment, and I believe this business is guilty of shady nefarious business practices. They didnt mention anything about {$140.00} to hand me a questionnaire until I refused to give them {$250.00} in cash on the spot. In addition, I was fully insured by XXXX at the time and no attempt was made to rectify this with the insurance company on part of the doctors office. I recently started being contacted by I.C. System Inc. debt collections out of XXXX XXXX Minnesota. I called and asked them to please never contact me again and they refused, saying that they would continue to contact me over this supposed debt despite my federal rights.
06/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 61822	Web
*IC SYSTEMS IS INEPT- THEY MUST BE HELD ACCOUNTABLE TO CONSUMERS* IC Systems continues to report a debt that was paid years ago. I have called more than 10 times in XX/XX/XXXX and XX/XX/XXXX to have it sorted out but THEY CAN NOT FIND ME IN THEIR SYSTEM even using my full name SS number, past XXXX addresses etc. Yet, they continue to report this to the credit bureau. They do n't call or write letters- I only see it on my credit report and then I call them. I asked them what are we to do in this situation as it 's not fair to continue reporting it if IC Systems ca n't find it in their system to even discuss with me! When I call- they all say the same thing- sorry I ca n't help you, we can not find you in our system! And yet they are reporting every month to the credit bureau. I informed them I would have my lawyer take it from here but it seems very unfair the burden and expense is on me for doing so. I do n't know how else I can force them to get this corrected and hold them accountable for this error and the time, energy and effort I 've had to put into sorting it out. Not to mention the effect it 's had on my credit score and likely the interest rates I 've been on offered on my mortgage for example. IC Systems should n't be allowed to give consumers the run around like this and punish us for their ineptness. # #
05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MA 01020	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX, MA XXXXXX/XX/XXXXDear Sir/ MadamTo Whom it may CorncernAm writing to you to dispute a collection on my credit report. In XXXX or XX/XX/XXXX I called my cell phone company XXXX to cancel my service as I could not get service at my palce of residence. We agreed to cancel the contract after I had sent them my lease and other documents. I did that. On XX/XX/XXXX I got a call to join the united states XXXX which I did. I was originally scheduled for XX/XX/XXXX. For four months I was away and had no access to my mail. When I came back I found out that my cell phone provider had taken me to collections. The said amount was for {$450.00}. I called the provider up and disputed it. From the dispute it came to my knowledge thatXXXX. The said documents the requested for never got to them. That was corrected and there for they waived about {$300.00} which was for the equipment ( phone ). XXXX. In light of that I paid half of the remaining balance to the provider. ( XXXX ) XXXX. I was also assured the the credit reporting agencies will be duly notified and the necessary corrections be made on my credit report. It is rather unfortunate that it has not being done. Am writing to you to dispute this record as it 's affecting my ability to get credit. Please kindly give me a call to rectify this situation XXXX
11/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WI 542XX	Web
On XX/XX/2022 I contacted IC Systems to incur about an account that was placed with their collection agency. Original creditor was XXXX XXXX and XXXX. I was advised the debt could be settled for deletion in the amount of {$2000.00}. I advised the duration of time offer was valid, no expiration date outside of the payment in full was due within 30 days of first payment. Advised I would review payment online when funds were available to ensure full amount could be paid at XXXX time to receive the settlement. The call on XX/XX/2022 lasted in duration of XXXX minutes at XXXX and spoke with XXXX. I returned a call on XX/XX/XXXX to make full account payment for the settlement of deletion and payment of {$2000.00}, confirmed amount with rep I spoke with XXXX. She advised no deletion was available now or ever. Advised that I was advised that was available for account. I requested her to confirm with supervisor and listen to call recording from XX/XX/2022. She placed me on a two-minute hold and stated she spoke with a supervisor and listened to a XXXX minute call in XXXX minutes. I advised that was not possible and their company advised of deletion and needed to honor their provided settlement as it was advised on a recorded line. Organizations are responsible to their consumers and consumers are to rectify the accounts as agreed upon.
08/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 454XX	Web
I was a loyal customer of XXXX XXXX for many years, i never one time was offered any promotions or upgrades on equipment. I called them to see if there was anyway i could get new equipment since the old equipment that i originally had was old and wasn't working properly. one of there representatives transferred me to their supervisor to assist me. the supervisor then told me that i qualified for an upgrade, and that they would send me new equipment and a tech out to hook it up. After a month of having the new equipment i received a outstanding bill for the upgrades that XXXX XXXX supervisor didn't make me aware of or discussed. i also found out that they started a new contract that i never agreed to. When i called to discussed theses matters they kept giving me the run around about my issues, telling me that they would have a someone reach out to take care of the problem but never did. i also made them aware that i was on new contract that i never gave authorization to. I tried reaching out to XXXX XXXX on multiple occasions but fell short with talking to someone that could help. After months turned into years after not speaking with anyone or resolving the issue i then get notification on my credit report that XXXX XXXX sold my bill to a debt collector. the amount of money that they are claiming is unfair and inaccurate.
07/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 018XX	Web
Hi How are you? How's the COVID-19 going? 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.
10/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48105	Web	Older American
This is a complaint against IC System. Addresses : ( 1 ) XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The company is attempting to collect on a bill issued to me by XXXX XXXX dated XX/XX/XXXX for contracted services in amount of {$2700.00}. That bill has been in dispute since XX/XX/XXXX. XX/XX/XXXX : I received via USPS residential delivery an account notification from IC System, dated XX/XX/XXXX. XX/XX/XXXX : I informed company via Certified Mail that the bill was in dispute, providing detail to back up the dispute, specifically " On XX/XX/XXXX, via USPS certified letter, and again on XX/XX/XXXX, via email, I sent to XXXX XXXX XXXX a request for further information and backup on the invoice in question such that I could evaluate the accuracy, existence and validity of the charges on the invoice. I have yet to receive a response ... '' XX/XX/XXXX : I received a " settlement offer '' from IC System. XX/XX/XXXX : I responded via Certified Mail, notifying that the contact is illegal and in violation of my rights under federal, state and local laws, citing XX/XX/XXXX Certified notification of dispute and demanding company reverse any and all actions taken against me in this matter. The company has ignored both of these notifications and continues to pursue collection.
10/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17552	Web	Servicemember
I had a bundled internet, cable and phone deal using XXXX for phone and internet and XXXX XXXX XXXX ( XXXX ) for cable. Upon canceling the service, I received a final bill for all services and wrote the check directly to XXXX, as normal. In a couple months, I received a 30 day past due notice from XXXX XXXX XXXX saying my final payment of {$210.00} was not received. I called them and XXXX to complain and was told it would be rectified. More than a year later, a collection notice was put on my credit report for {$210.00}. I disputed the account and the debt was removed from my reports. About a year later, the same {$210.00} collection was put on my report, this time with a new collection agency. I called XXXX XXXX XXXX and they agreed it was likely XXXX 's fault and removed the collection. Now, I again have the same {$210.00} collection added to my account. This time I called XXXX XXXX XXXX and they now refuse to remove it until and unless I provide proof I paid it ( or have XXXX prove they forwarded the payment to them ). This account was paid out of a Sovereign account that has been closed for over 2 yrs and has been successfully disputed twice ( soon to be three times XXXX. I am at my wit 's end with these people. I have never received any collection calls from XXXX, but they obviously did not pay XXXX XXXX XXXX.
05/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
To Whom It May Concern, The reason for my dispute is I C SYSTEM INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEM INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEM INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEM INC- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.I C SYSTEM INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
01/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48375	Web	Older American
My complain is against XXXX XXXX, the way they operate is to provide services that people do not ask for and they just send them the bill. XXXX XXXXXXXX performed a fertilization service at my property in early spring last year, I called them and clarified that I didn't ask for the service, they told me that because I was a customer before they assumed I needed the service. I complained about them assuming and providing services that have not been requested and agreed with the customer. They told me on the phone in XXXX that they had deleted the charge and all and any account information that they had from me at the time. I am an individual that pays all my bills on time, however it is the first time someone does a service that I didn't ask for and wants to be paid anyway. I am sure if I did it once they would continue providing unsolicited services and sending the bills. I disagree completely with any company that proceeds that way. It is not about not paying the amount, since {$160.00} is nothing. it is about fairness in business. They claimed once that they sent me an email notifying me that they would do the service, I never saw the email and it would not matter anyway because that is also unacceptable way of doing business. I don't want anything to do with a company that has such wrong business procedures.
07/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web
Hi, and please investigate this. 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.
11/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92324	Web
I.C System has been reporting debt that has never been owed and was paid directly to XXXX. In addition i have tried numerous of times to have issue resolved with them however they refuse to do anything about it. They never validate debt correctly, they provide wrong information to Credit Bureaus which in return damage my credit and reputation. Most recently for the month of XXXX they have affected my credit drastically by XXXX points by double reporting- this is not the first time they have done this back in XX/XX/XXXX they attempted to do the same however they deleted one of the profiles and continued to attempt to collect for the same items that have already been paid in full. This month of November they decided to double report negative inaccurate information once again. They reported account twice in one month with Zero Change one action was done on 1XX/XX/XXXX second action was done on XX/XX/XXXX which is in violation of the FTC Reporting Act i am emotionally drained and devastated with dealing with this company and all of their illegal tactics. It seems that they are not held accountable for any of their actions. I have already asked them to seize communication with me in addition i am ready to file a report with local police department as well as i have never owed this debt to XXXX or IC Systems.
03/06/2020	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	MS 390XX	Web
I initially emailed XXXX and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX responded with a generic response saying that it was updated. I disputed the account with IC systems, debt collector involved. IC systems responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from IC System. XXXX responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from IC sytames, saying for the bureaus to delete the tradeline. XXXX responded again saying that the account was updated. I called XXXX and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX have IC under a DIFFERENT ACCOUNT than the account number IC system sent. However the account number is WRONG as well.
01/18/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CA 94010	Web
The Federal.Trafe Commission Bureau of Competition awards XXXX XXXX upon XXXX XXXXXXXX XXXX oral contract to.pay said such award. Fees became part of the recipient 's award receipt. XXXX XXXX used my credit card as an option to pay for fees. He orally contract and typed a written texting and email that he will pay the bill. He researched for a scholarship program and therefore it would reduce said such fees as he orally contracted over the phone. His typed texts as written agreements that the scholarship program is to institute a process to receive said such Federal Trade Commission Bureau of Competition award. XXXX XXXX XXXX failed in stating the days to return and disconnection of service. It would need to be reconciled how the XXXX XXXX XXXX equipment would be disconnected and returned. Two other parties XXXX XXXX and XXXX XXXX XXXX are the financial backers and recipients of equipment. They owe the monies XXXX XXXX XXXX has the dates for disconnection and return based the incorrect information that they stated 12 days to return and it is 21 days. The services are disconnected or if XXXX ate in operation then they owe. XXXX XXXX XXXX failed in properly identifying the process and kept me in a waiting period. As a customer for 30 years and the facts that others used my phone to receive free service.
10/28/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29715	Web
I am a single mom XXXX years old, for XXXX kids I work so hard to fix my credit card 2 years before that and it was great, but after my mom being so sick and her XXXX get worse, I started to lose my focus and my job started to complain, I left my first job and little by little I started to freak out and I wasnt able to do anything right, even watching my kids I cant keep up pay my won bills and off course cant pay for my credit I was looking for credit consultants to help me out for more organized but after 2 months I was almost work part time to be with my mom most the time my friends in church was help me with the kids but finincialy I felt apart, and it was 12 credit cards, I really dont remember the amounts 1XXXX 2-XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX 6- XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX 9-XXXX 10-XXXX 11-XXXX XXXX 12-XXXX After my mom passed I full apart and I been hospitalized 3 times in one month in XX/XX/2018 And I figured out that after all the health assessment that I have XXXX/ XXXX and that was explained why I was so attached like that to my mother and why I was so XXXX and full in deep XXXX since I sow her going Down to death. But now I start to get my life together now I started to study back to get my certificate as XXXX XXXX XXXX ( XXXX ) exam and I hope I can fix this situation.
04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 501XX	Web
During our entire time with XXXX we had automatic payment deduction. Each month the monthly amount due was deducted from my checking account. At the conception in XX/XX/XXXX we paid {$200.00} and {$400.00}, which we were told was the first month due and the fees. So we started out current and then every subsequent month we had our amount due automatically deducted. We cancelled service in XX/XX/XXXX, due to our move to a different town. We chose not to stay with with XXXX. Our regularly scheduled payment came out in XX/XX/XXXX. I received a call in XXXX XXXX advising I had an amount due, to which I explained I should not. I walked through the payment history with her. She insisted it was correct. Rather than argue I paid the amount she claimed was due. Again believing this would settle my account. Then I received a notice from a collection agency stating we had an amount due which was what I paid in XX/XX/XXXX. I called and explained it is not due, ran through the payment history. Mentioning the extra payment I made in XXXX, showing there is absolutely no way monies could be due. They said they would research. I did not hear back so concluded the matter was settled. Now I see the charge of {$130.00} from collection agency IC System is outstanding. I disputed the charge and received no resolution.
06/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34787	Web
XXXX Credit Monitoring notified me of I C System incorrectly reporting a {$700.00} collection account when I have never even heard of I C System. I have never received a single phone call or a single letter from I C System. This, of course, is in direct violation of the FCRA. I C System reports XXXX as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX account which has always been in GOOD STANDING. In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. Either I am a victim of IDENTITY THEFT or I C System is fraudulently attempting to collect a balance that is NOT DUE. I called the number that XXXX provided for I C System and no live person answers. A recorded message repeated itself before the call disconnected. There is {$0.00} due to XXXX and certainly there is {$0.00} due to I C System, whoever they are. I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.
10/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CT 06902	Web
I discovered a negative statement on my XXXX credit report from the following company : IC System Inc. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both XXXX and IC System Inc. on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. On XXXX XX/XX/2018, I submitted correspondence to IC System demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. XXXX 's response to previous disputes has been that, based on their investigation, the information provided by IC System would remain on my report. I can only conclude that their investigation consisted solely of asking IC System if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. Because of IC System Inc. 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my XXXX credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.
10/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 303XX	Web
I have disputed this account as a fraudulent account. I filed a police report, signed an affidavit and submitted an FTC Complaint. Since then the original account from XXXX XXXX XXXX was removed from my credit file. But also since they have sold the account to 3 collections agencies. 1st- XXXX XXXX XXXX 2nd- XXXX XXXX and now 3rd to I.C Systems. I have not received an communication from the collection company or else I would have told them it was fraud. I should not have to be subject to my private information being used and sold to a potentional fraudster. I am a victim of ID theft and this account should have never been able to be sold for a 1st 2nd or 3rd time. ** Please Note the Fraudulent account was removed each time from each collection company. However the I.C Systems account which was placed on my credit file in XX/XX/2019, was not. *** This account needs to bee removed from my file again for the 4th time. Im going to have the Consumer Financial Protection post/pin this information because I am sure I am not the only one that this is happening to. Having to send my personal documentation every time XXXX XXXX XXXX and their 3rd parties try to asesnate my character has become more time consuming and costly and it is affecting my good name and ability to manage my personal well being.
09/06/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76063	Web	Older American
I had XXXX XXXX XXXX cable for 6 months while I rented an apartment during this time period. When I moved, the movers put the boxes in the attic with the many other boxes. After locating the cable boxes in the attic, I mailed them back to XXXX XXXX XXXX. Last month, my wife went to the XXXX XXXX XXXX store to add another phone line and she was told that the account is showing that there is a balance of {$480.00} due to unreturned cable boxes. I contacted XXXX XXXX XXXX ( XXXX ) two weeks ago and the representative confirmed that they received the cable boxes. I called on XX/XX/2023, to see if this issue has been resolved and removed from my account. I found out that my account was sent to IC System Collection Agency. IC System ( XXXX ) advised me that XXXX XXXX XXXX 's policy is to still charge customers if the cable boxes are returned after 180 days - even though the cable boxes were returned and received by them. Attached is a copy of my proof of return. There was never any disclosure provided to me by XXXX XXXX XXXX of this policy either verbally or in writing. This is deceptive and abusive business practices. I am seeking assistance from the CFPB to have this collection removed from my XXXX XXXX XXXX account and from the IC System collection agency. They are trying to steal money from people.
08/26/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	NV XXXXX	Web	Servicemember
On or about XX/XX/2023, I contacted I C System after I received a call from XXXX regarding my account being activated by someone. Immediately accessed my credit report to discover that there was a collection added to my XXXX Credit Report from a company called I C. I XXXX the company and called the company to retry and resolve the issue since I was unaware of the company. Once the agent came to the phone, I identified myself and let the agent know that I had been involved in a rash of identity matters and this surely must be one. I don't have XXXX. I've received any communication from their company and the agent stated that it's on your credit report and that's informing you of the debt. I thought that according to the Consumer Financial Protection Bureau debt collectors had certain steps they must follow prior to reporting the debt to the credit reporting companies. They must do any one of the following : 1. Speak with you in person about the debt. 2. Speak with you by telephone about the debt. 3. Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered. 4. Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasn't delivered.
05/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 50208	Web
on or about XX/XX/2023, I reviewed my consumer credit reports XXXX, XXXX, and XXXX XXXX and noticed collections on all three from a third-party collections agency so I decided to send them a debt validation letter requesting information on the so-called debt I requested the following. an original contract with a wet signature from the original creditor with a wet signature. the name address and and phone number of the original creditor. an itemized payment history associated with the account as to determine what is owed and/or that may be contested. proof of ownership of this debt and or whether they are even allowed to collect on this debt per law. I informed them they had 30 days to produce my request and or cease collection attempts and/or remove this from my consumer credit reports. during my 30-day wait, I discovered that this company via the NMLS that this company is not even licensed to do collections in the state of Iowa, whereas I am more than sure that the company has claimed numerous payments. I mailed this letter on XX/XX/2023, it has been about 50 days since I received what appears to be the last bill, with no itemized statement of the prior bill no original contract, and nothing on whether they are even allowed to collect this alleged debt they are not licensed in the state of Iowa.
06/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 616XX	Web
I contacted IC Systems on XX/XX/2018 in regards to a debt they are reporting on my credit report from XXXX XXXX XXXX. I was connected with XXXX XXXX XXXX ( ID # XXXX ). I explained to XXXX XXXX that I had previously contacted the XXXX regarding this debt as it did not belong to me ( it belonged to my ex-son-in-law ). As a result of my XXXX complaint, XXXX agreed to remove the account from my name and delete the credit notation. XXXX XXXX indicated that he would mark the account as " disputed. '' I then asked what the process would be from there, and XXXX XXXX replied that IC Systems would take no action until they heard from XXXX. I informed him that it was IC Systems that was reporting information to the credit bureau, not XXXX, and that they are responsible for the information they report. As such, I urged that they contact XXXX to verify the validity of the debt they were reporting. His response was that it was not their responsibility to contact XXXX, but rather that it was my responsibility because it was my debt. I told him if they did not research the debt I would contact the XXXX. At that point, he provided his name and ID # and the call ended, with IC Systems continuing to refuse to research the debt they are reporting. I did follow up with a XXXX complaint which is currently pending.
06/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 601XX	Web	Older American, Servicemember
I went on-line to check my credit score. The XXXX XXXX report showed that I had a delinquent report. Further investigation on my part showed that a company called XXXX XXXX reported me to the credit agency for non-payment of a cable service account in XXXX. ( I live in XXXXXXXX, and never lived in XXXX ). I never ordered cable service in XXXX. I never received any communication from XXXXXXXX XXXX : no e-mail messages, no phone calls and no written correspondence. XXXX XXXX forwarded this account to collections with IC Systems Collections, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I tried calling them and could not get any information about this issue. I have never received any letters, phone calls or e-mail messages from this collection agency. I tried calling XXXX XXXX, and they refused to talk to me, but interestingly DID say that they couldn't find an account with my name or address. I filed a dispute with XXXX XXXX, and was finally notified that XXXX XXXX verified that their original report was accurate. I then called XXXX XXXX, again, and filled out an " identity theft packet. '' This was sent back to XXXX XXXX at the beginning of XXXX. I have not heard anything at all from XXXX since that time. This delinquent account is not mine, and I never authorized anyone to open an account in my name
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19977	Web
On XX/XX/23 I filed a CFPB complaint ( Complaint ID XXXX ) for a fraudulent collection account that was placed on my consumer reports. On XX/XX/23 the company, IC Systems responded and stated that they were sending the account back to the company and removing it from my reports. The account was removed and has subsequently been re-reported as of XX/XX/23. Furthermore, IC Systems has inflated the balance due on the account, the alleged debt is {$5.00}, IC Systems has added a {$530.00} fee to this debt in order for it to report and intentionally damage my credit as debt under {$100.00} do not affect your XXXX score. It was initially reported as {$520.00} so they have increased it even further. IC systems should be held liable for willful negligence in re-reporting a fraudulent account that they were given a police report for, for harassment and abusive collection practices. I am requesting statutory damages in the amount of {XXXX ( 15 U.S. Code 1692k ) and a deletion from all consumer reports the account was reported to. If this is not remedied ( deletion and financial damages ) within 15 days of this complaint, I will be filing suit in Delaware 's XXXX XXXX. Please see the attached letter and pictures of IC Systems confirmation of deletion as well as the pictures of the account re-reporting.
03/08/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	OH 44118	Web
Today, I.C. System, Inc. placed an erroneous {$86.00} XXXX XXXX cable bill as in collections on my credit report. I spoke with supervisor XXXX today. I explained this is a mistake because I always paid XXXX on time every month via enrollment in auto-pay. And, I never received notice of any issue. I cancelled service in XXXX, XXXX at my XXXX, OH condo. When the condo was sold in XXXX, XXXX, the title agent and buyer 's representatives confirmed all utilities and bills for service of any kind at the condo were paid in full at time of closing. XXXX said she would " make a notation '' of my dispute. Otherwise, I.C. System will not initiate any formal internal investigation or do anything to ensure compliance with the Fair Credit Reporting Act, Fair Debt Collection Practices Act or the Ohio Consumer Sales Practices Act. XXXX also refused my request to go up the chain of command and have a person with authority to act call me. XXXX also said that per her review of my account, I.C. System never mailed anything to me at my current physical address in XXXX, OH via ordinary, certified, priority or first class mail. I advised that as a commercial litigation attorney, I may file a lawsuit in Federal Court in XXXX, OH as this matter will adversely affect my current plans to apply for mortgage pre-approval.
08/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 956XX	Web
I was notified by my credit report monitoring service that the account had been posted on my report as collection by I.C. Systems. I promptly contact I.C. Systems to try and understand what this collection was for and why it was on my report since I was not aware of any debt owed. The company has been unable to provide any information or offer a resolution. I spoke with a representative on XX/XX/XXXX, and was told that it would be best to dispute with the Credit Bureau. I took action and sent my dispute, spoke with the Bureau as well to provide as much information as I had. The Bureau conducted their investigation and updated the record to reflect " Affected by natural or declared disaster ''. This is completely inaccurate and not at all what was reported. I contact the original company XXXX XXXX XXXX XXXX XXXX, and I.C. Systems again on XX/XX/XXXX, and was told that there was nothing they could do since I don't have the details about the account. Even if I tried calling to pay the debt, they would not accept my payment. At this point, I have no other recourse to resolve this issue besides disputing again with the Credit Bureau. I just want to resolve the issue and have it removed from my report. But this company would rather hold my credit report XXXX and not work with me to resolve it.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33312	Web	Older American
I XXXX XXXX XXXX two years ago and went to XXXX XXXX XXXX XXXX XXXX. They had me coming back weekly for XXXX. I gave them my XXXX XXXX XXXX XXXX XXXX for my co-pay for each visit. Two months ago, I received a letter from IC System ( acct # XXXX ) Stating my account was in their hands with a balance due of {$340.00}. I immediately put it on my XXXX XXXX XXXX XXXX XXXX I received the attached letter, from their attorneys office, stating the balance was paid in full on XX/XX/2022. I also sent the letter, verifying the account had been paid in full, to them. In reviewing my credit report, it still shows the balance is due. I disputed this with XXXX, however after they verified, since the information had never been updated, there was nothing they could do from their end. Today I spoke with XXXX at IC System, who said my file is confusing and still shows the balance due. I explained the story to her, and stated I had sent the Receipt that the account has been paid in full the end if XXXX ; Yet she stated they had not received that either. she tried to call her supervisor, who is not answering her phone. On the recorded conversation, she stated it should be cleared up by the end of XXXX. I am not waiting two months due to their incompetence. I am a XXXX XXXX and I do not need this additional stress.
09/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80303	Web
I signed up for XXXX XXXX at a second house we bought. I signed up over the phone and I was not told there was an early cancellation fee over the phone. I was unhappy with the service and called to cancel. I was then told there was a cancellation fee but I disputed this because I was not originally told about it. The amount owed was sent to XXXX collections. I filed a dispute it was forgiven. Then without my knowing the debt was suddenly owed to IC Systems in the name of XXXX XXXX XXXX. It is the same account but now a new company is trying to claim I owe them the debt. I was never notified, they may have mailed things to that house but we sold that house in XX/XX/2019, also the house does not have a mailing address, the only address the company would have had was my home address. they never called or mailed me anything. I only found out about the debt when I tried to refinance my house. I paid it to make it go away. I was told I would receive a receipt, I have not. I called back and was told I would receive a receipt by the end of the day. But I still have not. I have paid the bill, even though I was not told about this cancellation fee originally and the debt has been given to a new company without me knowing and now I can not get it off my credit report or even proof that it is paid.
03/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60624	Web	Servicemember
In XX/XX/XXXX, I checked my credit report and noticed an account in collection which was not mine in the amount of {$1000.00}. The company " XXXX XXXX '' which turned out to be a collection agency representing XXXX. I filled out a police report for Identity Theft, I filled out an identity theft report with the FCC, and I filled out a Identity Theft Affidavit. I sent these items to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX removed to delinquent information from the credit report. Then In XX/XX/XXXX, XXXX hired IC system another collection agency to collect another dept of {$1500.00} which turned out to be the same fraudulent Identity theft account which was disputed back in XX/XX/XXXX. The increased amount are fees attached onto the first dispute of {$1000.00}. I have filled out another Identity Theft Packet and sent all supporting documentations to prove that the account does not belong to me. XXXX is still not cooperating with clearing the information from my credit report. The damage is that I can not refinance my mortgage to a 15 year loan until the information is removed. I feel the XXXX is being malicious because they new back in XX/XX/XXXX that this was Identify theft but they continue to file bogus debts on my Credit report. I need to get this resolved. I am the victim being victimized.
09/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
01/23/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NC 27513	Web
I was approached by a sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I agreed to XXXX year of XXXX service. Sales person wanted to put me on monthly plan- to which I said no. Instead I told him that I will pre-pay for the whole year by check, since i do not trust companies withdrawing money from my bank account or charging my credit card. He agreed and I paid by XXXX XXXX check {$710.00} for the full year. I specifically told him and noted in the memo of my check that I was committing for XXXX year only. What I realized recently ( perhaps XXXX ) by looking at the monthly statement - that money was being withdrawn by some company every month that I did not recognize. When I called XXXX XXXX as to who or why authorized those transactions, they could not answer but were kind enough to put a stop to any further withdrawals. I could only guess that this must be related to XXXX. Now I got a letter from I.C. System Inc to collect on debt for XXXX # XXXX. So my question is how can any company setup an automatic withdrawal without explicit authorization - XXXX seems to have fraudulently used my check to set this up XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. System Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77035	Web
Several creditors were included in my bankruptcy these creditors are still being allowed to on all three bureaus report late payments on old debt. It has been 4 years since my bankruptcy and each of the three credit bureaus has denied me accuracy in reporting. This has resulted in me now having unstable and unreliable credit history. Further more I had an identity theft situation occur I provided proof of this to creditors directly as well as gave notice to all three bureaus. unfortunately they still have not resolved these inaccuracies. The dates and account creditors vary : XXXX 3 different accounts All three credit reports. Various balances. XXXX XX/XX/XXXX {$280.00} Possible Finance XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX {$1700.00} I.C. XXXX XXXX XX/XX/XXXX {$6.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Never even explained why they placed on file. Just did and when I challenged it they removed the balance but left the account on my report. XXXX XXXX XXXX XXXX {$0.00} Various Inquires listed from dealerships Failing to notify me that they were running credit pulls and then allowing others to pull addition. Has left my inquire history unstable. My Credit is just all over the place due to horrible management by the 3 bureaus on validating these debts.
12/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32701	Web
Upon researching how to file this complaint, I discovered that IC System, the company this complaint is regarding, has violated Regulation F of the FDCPA. IC System did not include an itemized list of charges. IC System did not include a returnable form allowing the consumer to check a box for " This is not my debt '', " This amount is wrong '', or " Other ''. Regulation F requires this to be included in the validation letter, and IC System is in direct violation. IC System has unexplained charges on their debt validation letter. I'm unsure of how to upload a copy of this letter to the CFPB. It lists {$430.00} as " Previous Balance '', which is not a validation of the debt, and has no explanation of where this balance came from. IC System did not send me required correspondence within XXXX days of initial contact, which is required by the FDCPA. IC System has falsely reported negative information on my credit reports after being disputed, and they have refused to discuss a remedy for this false reporting. IC System has caused me measurable harm, and is liable under the FDCPA for up to {$1000.00} in civil penalties. This is an attempt to resolve the matter and have myself made whole. If IC System refuses to resolve the matter with the CFPB intervention, I will be filing a lawsuit.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84075	Web
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus 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 my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 612XX	Web
I was a XXXX customer for about five ( 5 ) years and I always have device protection insurance. In 2018, I upgraded two ( 2 ) devices on my account through promotion. A couple weeks after the upgrade, I accidentally dropped my phone. I went back to XXXX the retail store to get my phone screen replace only to find out that my deductible has increased from {$100.00} to {$150.00}. I asked the agent why I was not informed about that increase and his answer was that the person who served me was novice. I wanted to pay off the damage phone and return the other phone so I can close my account. Also to find out that through that promotion I just signed a new two ( 2 ) agreement with them. Again, I waas not informed. I don't think as an existing customer, with five ( 5 ) device on my account, my agreement should change when I upgrade two ( 2 ) phone. At least, someboby in the store should have told me. I was not happy with the way they were handling the situation so left all the devices on the counter with them. I got couple bills from XXXX and called the customer service and explained everything to them. I was told that they will look into the situation to call me back but never did. Only time I got called is to take of the bill. Now, many years later I am being reported to a collection bureau.
08/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 38637	Web
To whom it may concern, I had a debt with XXXX and the debt was sold to I.C Systems. The debt was in the amount of XXXX dollars. The gentleman I spoke with regarding the debt offered me a settlement of XXXX and assured me that they do pay to deletes. I kept notes of every payment made, recordings of all phone calls, and also every notice sent in the mail. My last payment with my account was on XX/XX/XXXX. The following week I called to make sure that my account was paid in full and the young lady assured me that it was paid in full and even sent me out a notice stating that it has been paid with a balance of XXXX. When I called today to see when the account would be deleted from my credit report, theyre stating that I now owe a balance of {$210.00} because XXXX has very strict payment arrangements. When I made my last payment with them on XX/XX/XXXX. I asked them if I still owed a balance then why wasnt the balance coming from my account because I had my account set up for automatic payments. She stated that no bank account info was on file. I thanked her and disconnected the call and told her that I would be filing a complaint because at this point theyre trying to get more money from me than what we agreed and I refuse to pay a XXXX more. If documentation is needed, I will provide it.
06/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76119	Web
During the month ofXX/XX/2019 through initial days ofXX/XX/2019, IC Systems Intl , Inc, has refuted disputes, I filed specifically with XXXX to request they ( IC Systems Intl , Inc ) produce any evidence supporting that their reporting to XXXX is valid. I did not retain XXXX XXXX XXXX, service ( s ) at any point. I am XXXX and receive XXXX. XXXX has not resolved this issue. The only reason, I have not filed suit and a Motion to Compel, removal of this falsehood, is because, I am uncertain where to serve the reporting agency with a Duces Tecum subpoena included. Please interceded. I requested in XX/XX/2019, from IC Systems , Inc, any proof of a contract or service and type of service. The only repetitive statement, they have to substantiate this false alleged debt is that it matches my social security number. This disparity in reporting has had a substantial adverse effect on me psychologically, physically and financially. No legal basis exists for any contract in this case. I have not hired or requested any products from the agency IC Systems Intl , Inc, bought this issue from ( XXXX XXXX ). I am on public assistance and XXXX with very restricted financial services to challenge the falsehood this company asserts against me. Thank you for your, time, courtesies and efforts in advance.
05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08332	Web
An account for XXXX XXXX keeps appearing on my credit report and keeps making my credit score go down. This is NOT my account. I called the collection agency that was listed and they told me that I had services in XXXX, FL and I told them that I have never lived in XXXX, FL ( where the service emanated from ). I have lived in New Jersey my entire life and I never live in any part of Florida. The amount of the debt is {$750.00}. I also filed a dispute with XXXX and they said they have verified this debt as being correct. I disputed this same account twice before with XXXX and both times they were removed from my account because they were found not to be me and considered to be FRAUDULENT. It is now appearing again on my account and I need it removed. I have sent XXXX information again stating that I have never lived in Florida ( which they also matched against my credit report and verified ) and I have also sent information to I.C. Systems, Inc. who said they would FLAG the account as being FRAUDULENT. I have absolutely NO bills that have ever emanated out of Florida. I really need this permanently deleted from my credit file. PLEASE HELP! Thank you. Information : Original Company : XXXX XXXX XXXX XXXX : I.C. Systems, Inc. Amount : {$750.00} Date Opened : Can not see those details.
02/22/2021	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	NY 10977	Web
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were I C SYSTEM INC\| Account Number XXXX I C SYSTEM INC\| Account Number XXXX XXXX XXXX XXXX / XXXX Account Number XXXX XXXX XXXX XXXX\| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.
03/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28273	Web
On XX/XX/XXXX I paid in full upfront for one year of service for my rental property with XXXX. That service was completed on XX/XX/XXXX. Then in the fall of XXXX, I receive a call from XXXX asking for payment for the fall treatment. I told the lady, I paid for the one year service and was finished with my service. I did not ask for or authorize XXXX to go back out to the property after my paid in full service was completed. She put me on hold, had a conversation with someone, came back to the phone and said she understood and would write it off and take care of the {$70.00} charge. Fast forward to XX/XX/XXXX. I now see on my credit report as a collection. I never received anything in the mail asking for this money. Only the phone call and I was under the impression the bill was writen off because I did not order the treatment. As you can see from my credit history, I have a very high credit score and pay my bills ontime, everytime. I never would have let {$70.00} go to collections. This is very disturbing to me that a service can be charged to me that I didn't ask for, then send to collections with no written notice to me along with a verbal conversation with the company saying they were sorry and would take care of it. Please have this collection removed from my credit. Thank you
07/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30017	Web
on XX/XX/2018 I sent a dispute letter to IC System asking for validation. I received back letter saying " XXXX has provided the attached information verifying your responsibility ''. On XX/XX/2018 I send a second letter because yet again IC System have failed to provide me with copy of any viable evidence. I have no record of the above account and i am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C 1681g the consumer is entitled to said records the requested. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness and i am being denied credit as a result of this inaccurate reporting. They are in violation of the FCRA. On XX/XX/2018 i send a third letter, stating I have retained new copies of my credit reports and noticed that they did not furnish the credit bureaus with the required disclose within the period required by law. 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.
04/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92606	Web
I've been in dispute with XXXX XXXX with a debt that they think I've owed. The dispute started in 2019 when XXXX XXXX unilaterally changed the terms of service by changing the billing from prorating to monthly cycle. In my previous complaint to CFPB about XXXX XXXX, I presented my case and XXXX XXXX was not able to prove that it had communicated with me via any email, phone, in statements for paperless billing consumers or any other forms that are applicable to paperless billing consumers about this change and I wasn't aware of this change until I ended my services with XXXX XXXX. I disputed the debt and XXXX XXXX and I have been hung on this issue. Currently, XXXX XXXX has sold the wrongful billing statement to different debt collection agencies over the years and now I'm being harassed by different debt collection agency every year with a disputed debt Validation Letter and hence I now have to deal with said agencies. The new agency is IC, systems to whom the debt has now been sold to and despite explaining to them the issue, this process is not working and I'm afraid this debt with show up my credit report despite it being fraudulent. I, request, IC systems via CFPB to immediately cease any attempts to report this to credit agencies without further as this debt is fraudulent.
04/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43204	Web
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX and IC SYSTEM # XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.
02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web	Servicemember
After again noticing the debt on my credit report, I sent a Debt validation letter to IC Systems (XX/XX/XXXXXXXX XXXX XXXX., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. Last year when the debt validation was requested, IC Systems XXXXXX/XX/XXXX XXXX XXXX removed the debt from my report, but again for the 3rd time was recently added. Previous complaint XXXX Submitted to the CFPB on XX/XX/2019 This is the response from IC Systems -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Re : IC System Reference No : XXXX Original Creditor :XX/XX/XXXX Account No. XXXX Dear Ms. XXXX : IC System has requested that any information our office may have forwarded to the credit reporting agencies be removed or deleted from their records. You may wish to check with your local credit bureau in 30-45 days to ensure your credit file has been corrected.
04/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 027XX	Web
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.
10/12/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 34761	Web
On XX/XX/2022, IC Systems contacted a person other than the consumer that they were looking for XXXX XXXX about an alleged debt and violated FDCPA and my consumer rights. The IC Systems representative told the person on the phone that they were calling to speak to XXXX XXXX and that she owed a debt. They never stated they were a debt collector, they falsely represented themselves stating, this account was placed at their office, which is not true. And they stated that they were going to garnish my wages which is another violation of 15 USC 1692e ( 4 ). IC Systems was not given permission to have and/or use my nonpublic personal information by requesting me to verify my social security number, which I never gave to them. I looked up IC Systems and they are clearly a debt collection agency, they falsely tried to represent themselves as an agent of the state of Kansas, violation of 15 USC 1692e ( 1 ). This is a clear violation of 15 USC 1692b ( 2 ), IC Systems is using unfair practices to collect an alleged debt. IC Systems has used abusive, deceptive and unfair debt collection practices and misrepresented themselves when trying to collect an alleged debt from a consumer. IC Systems has failed to comply with the provision provided under the Fair Debt Collection Practices Act.
11/11/2022	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	OH 43015	Web	Servicemember
After removing a false collections claim from I.C Systems from XXXX and XXXX, XXXX has now started showing a collections debt on my report. My parents received a letter at their house in XXXX ( I live in XXXX ) that I had a debt to XXXX and if it wasn't paid by XXXX XX/XX/2022 it was going to collections. I called XXXX and paid immediately. On XX/XX/2022. A whole month before IC Systems deadline. I have sent XXXX on XXXX separate occasions proof of payment and that the collections claim is false, but they come back with it being verified each time. IC Systems is falsely reporting this debt and it is negatively effecting my life. I called XXXX after the first time this hit my credit report, and they claimed they had not yet sent the letter that the debt had been paid to I.C Systems, but would. However it would take 60 days for it to reach IC systems, this was on XX/XX/2022, it is now XX/XX/2022. I will note that the nature of the debt was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you will see on the statement credit of XXXXXXXX XXXX XXXXXXXX informed me if the missing XXXX XXXX were returned they would refund the XXXX I paid to them, which they did. Like with XXXX, I will be willing to involve a lawyer if necessary. This is a bogus debt collection.
09/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 14845	Web	Servicemember
On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXXXXXX company for {$800.00} from XX/XX/XXXX. The debt collector is XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. XXXX XXXX XXXXXXXX sold a debt that was paid off. The duplicate account, now owned by I C System Inc ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. I paid the {$800.00} debt to XXXXXXXX XXXX XXXXXXXX, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.
02/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 180XX	Web	Older American
I requested services on XX/XX/2020 for telephone and internet services for a new home that I purchased. I was told that the router for the internet and the services would begin on XX/XX/2020. I did not receive service nor any equipment, I contacted XXXX, a technician was sent to my new home on XX/XX/2020 and the technician could not get any connection for service, he told me he would put a ticket in to cancel the service, I called XXXX on XX/XX/2020 and was told that the ticket was in and the account was closed. I received a bill from XXXX via the XXXX app at the end of XXXX 2020, and immediately contacted XXXX and was informed to disregard that bill, the paper bill will be {$00.00}. I now receive notification from a collection company who is trying to collect {$31.00} for services that I have never received. I contacted XXXX and each time I am transferred to the collection company. Today I went on the XXXX Chat line with their representative and I have a part of her message below ''. " thank you for waiting, i was able to check the account, please disregard the bill you received, no balance on this account i will create a ticket for you to stop receive bill ofr this account '' I have been getting the run around since XX/XX/2020. Please help me resolve this dispute. Thanks
10/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30223	Web
I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. I.C. SYSTEM is reporting an alleged debt and they are tarnishing my reputation and harassing me. I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed. According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts from I.C. SYSTEM, INC without my permission; using my name and personal information by which to do so. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.
09/28/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 786XX	Web
IC Systems has contacted me almost daily for a week regarding medical debt. I have advised them EACH time that I am not currently employed and am unable to pay the debt at this time. On the call that took place approximately XX/XX/2021, I advised them that the address they had on file was incorrect and I confirmed my po box address so that they may send the legally required validation of debt, which they have yet to resend. On the call today, XX/XX/2021, the agent that I spoke to continued to attempt to delve into my personal life and finances which I advised her were not her concern as I had already advised I had no income. Once the call ended I called back to speak to a supervisor, I advised the supervisor that their company was in violation of sections 806, 808, and 809 of the FDCPA to which her response was that she would remove my number and listen to the calls. I again advised that at this time they were outside of the legally required window for validation of the debt and she stated that she would resend the letter, to which I quoted again that she was outside of the legally required window. I asked to speak with someone within the company who took these matters seriously to which she replied that she does and that she's removing my numbers and I should keep hers.
03/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 066XX	Web
In XX/XX/XXXX or XX/XX/XXXX I contacted XXXX my cell phone provider about a second line that I was being charged for that was no longer activated and had not been activated. And had not been activated for over 2 years. The rep put me on hold and spoke to a supervisor and put a credit of 200+ on my account for fees paid for that line. A couple weeks later I got a notice of a balance of 280+ dollars. My account had one line at that point and the bill should not have been more than 70 dollars. I called XX/XX/XXXX and was told the credit was reversed. I got irate and threatened to call an attorney I explained it is not legal to give a credit that was approved th en decide to change your mind and demanded the credit be re applied. After a long hold the credit was reapplied and I was told to pay XXXX. My bill cycle started on XX/XX/XXXX I left XXXX due to thi s type of under handed nonsense on XX/XX/XXXX. So I should have been billed for 11 days of service. XX/XX/XXXX I spoke to 2 reps at XXXX XXXX in customer service named XXXX who was able to verify that he sees where the credit was issued but could not adjust it because the account was no longer active. Active or not XXXX is trying to bill me for 85 to 95 dollars that I don't owe them and I will not pay until it is corrected
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46322	Web
I C SYSTEM INC is attempting to collect an alleged obligation on behalf of XXXX. I C SYSTEM REAPPERAED on the consumer credit report ( this is the 3rd time ive gotten XXXX removed and it keep reappearing ) per my knowledge there is no legal binding contract bearing my signature to contract with I C SYSTEM. the original creditor XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX was paid in full via the negotiable instrument provided to XXXX during the signing of the contract. per the bankruptcy act of 1933 congress gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of 2019. Per the debt collection laws I C SYSTEM is in violation of the FDCPA, TILA as the alleged debt as been satisfied. I C SYSTEM and SPRINT is in violation of 16 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. I C SYSTEM has committed identity theft as no permission was granted to house my personal information within their database. ALSO XXXX XXXX XXXX IS TRADEMARKED ON USPTO AND HOLD A COPYRIGHT and never gave I C SYSTEM a license to use the mark. A invoice is attached
06/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27516	Web
I have received information regarding a debt that is being claimed against me. I.C. SYSTEM, INC Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT. - PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT. - LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. I appreciate your efforts in this matter and look forward to your response. Regards.
11/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48317	Web	Older American
I checked my credit report becaue my fico score had dropped drastically and I was confused as to why. Upon checking my credit report it showed an address I had not lived at and a company I did not work for. I called the credit bureau and filed a dispute. They informed me that I would have to contact the collection agency ( I C System, XXXX ). I did this and they said it was an outstanding bill for XXXX XXXX for {$380.00} and how would I like to pay for it. I told them I had not lived at the XXXX XXXX address and that it was not my bill. They then told me I could contact XXXX to see what they would do but until then I owed the bill.I contacted the XXXX XXXX Department and submitted all the information 2X but they have not called me back after I asked to speak to a supervisor. I gave them the last 4 digits of my social security number but I refused to give someone in the XXXX XXXX my full number. I was assigned a ticket # and I was told I should hear from them within 2 days and that was the middle of last week. I have since made a police report. I have lived at my current address for the last 48 years and in fact had XXXX during the time the debt occurred at my present address. I supplied them with utility bills for the time represented but so far it hasnt been removed.
07/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75002	Web
XX/XX/XXXX Attempted to purchase and activate a children 's smartwatch at a XXXX location in XXXX, TX. The XXXX sales representative failed to get the smartwatch to activate/communicate with my XXXX XXXX XXXX phone as the parent phone. The XXXX sales representative cancelled the transaction and refunded or voided all charges. XX/XX/XXXX I received a bill marked past due for the XXXX account canceled in XXXX. I returned to the XXXX store and showed the same employee the bill. With help from his manager and after a long conversation with corporate XXXX it was discovered that the smartwatch transaction was not properly cancelled and that I was considered a customer still with an account. The manager, working with corporate XXXX over the phone again cancelled the account and voided any debts. XX/XX/XXXX I received a collection notice from ICSystem for {$10.00} which lists XXXX as the original creditor. I returned to the same XXXX store where the staff confirmed that this fee was associated with the smartwatch transaction and should have been waived but was told that they could do nothing to correct the issue now that was with collections. The XXXX staff recognized that the debt was invalid and noted it as such in the notes on my account. ( see attached image of notes )
09/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	XXXXX	Web
In XX/XX/2019 I moved from the XXXX XXXX to XXXX. Prior to that I had mobile phone service with XXXX. I kept my number with XXXX for some months while I was settling. Once I determined I was going to stay in XXXX long term, I paid my final bill, and canceled my account. I double checked that the account was canceled by attempting to log in, and the account was closed. In XX/XX/2019 they sent me a letter for {$140.00} ( letter attached ). The letter stated I could dispute the validity of the debt, which I do, since I paid my final bill when I canceled the account. I wrote them a letter, and then they responded by email, saying I could call them or they would respond in writing. I wanted them to respond in writing showing why they thought I owed them more money. They said they would do that, but they never sent me another letter. Instead they gave the bill to a collection agency. I then disputed the bill with my credit agency. They refused to send the outcome of their investigation to XXXX, but the bill dropped from my credit, so I thought the matter was settled. Recently however a new agency has obtained the debt. I still can not get anyone to send me a letter stating why they believe I owe them money, and the credit reporting agency won't send anything to XXXX.
07/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87144	Web
IC Systems Re : Dispute of Account No. XXXX XXXX XXXX To Whom it May Concern : I am writing to inform you that I have received your demand for payment, and I dispute this debt in its entirety. This debt was disputed directly to XXXX and was ignored. The basis of this charge XXXX alleges is that they claim the XXXX was returned damaged but failed to elaborate as to what damages they alluded to. Through XXXX ( which I retain copies ) I informed XXXX that the XXXX was in perfect working condition when I put it in the return packaging they required I use. I provided XXXX pictures of the phone as I packed it to assure there were no damages knowing full well XXXX would fabricate these claims to bilk more money from a dissatisfied customer. XXXX refused to provide me with proof that the XXXX was damaged. XXXX did not respond to my further requests for proof of their fictious claim. I dispute this claim in its entirety. If this debt is not reversed and or this debt is reported to my credit, I will retain attorney XXXX XXXX with XXXX XXXX XXXX to seek legal action seeking damages and restitution against XXXX and IC Systems. To validate this debt, I demand XXXX provide the XXXX in question to prove damages Thank you XXXX XXXX Cc : XXXX XXXX, CFPB, MN Attorney General, XXXX
11/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	CA 92780	Web
XXXX : Debt buyer- XXXX XXXX XXXX & XXXX Date opened : XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. XXXX allegedly bought my debt from XXXX XXXX XXXX, or they represent ( or work with ) XXXX for communications purposes. I have never banked with or made an account with this XXXX or XXXX XXXX XXXX. Both have harassed me to pay debt they couldnt verify. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U-verse Date opened- XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. Original creditor was internet service charging me for allegedly not returning their equipment. I walked into one of their multiple retail locations around the U.S. to return their equipment after I changed to a different provider. Although I wasnt given a receipt for returning their equipment, I was assured, in person, that my account was resolved once I made the return. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Actions- calls/emails harassing to pay. Never verified my debt. All in all, none of these collections companies have failed to verify my debts, contracts with my original signatures, or my current address and the original creditors never received my consent to sell of my information to the collection companies.
08/19/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38116	Web
This is a collection company many of several that are representing XXXX, XXXX XXXX that I have disputed on several instances. XXXX will remove for about 2 months and it will reappear with another collection agency listed but same debit. I have not received any supporting documentation from the provider with proof that this is my debt. I have however submitted documentation to XXXX via cerfitied mail with my ID, SS card and proof of residence. Each time a different collection agency appears on my credit report its under a another name and is extended for another seven years. I'm not sure what else I need to prove? Listed below is the last company that was added. This account was not opened on this date it is actually the date that it was readded to my credit report. Any assistance you could give would be greatly appreciated.This was the first collection agency that was disputed. Account # − XXXX XXXX XXXX XX/XX/XXXX. Same debt collector with XXXX and now it is I C System showing that it was opened XX/XX/XXXX $XXXXoriginal creditor: 11 XXXX XXXX and will remain on my report until XX/XX/XXXX. I was under the impression that the statue of limitations was 7-10 years. Each time that I have disputed the bill that start over with a new collection company and more years.
12/03/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 440XX	Web	Servicemember
When I had XXXX XXXX ( XXXX ) I HAD to move, PER DOCTORS ORDERS, and requested my service be moved. They tried to charge me {$350.00}, just to move my service. Not because I wanted to move but, because it was MEDICALLY necessary for me to do so. I refused to pay that amount, returned their equipment, and terminated my service. I received an outlandish bill initially. When I called and spoke to upper management, my complaint/case was escalated. I never heard from them again. Then, this ICS Systems popped up on my credit ( XXXX ), I was told I could pay 30 % and it would go away or, I could continue to let it affect my credit ... I filed a complaint and they won ... Ive had NO CONTACT WITH THEM or XXXX XXXX in years. Recently, I applied for credit ( after 6 years of on time payments ) and was denied due to a recent non payment/late payment so, they took it upon themselves to affect my credit all these years later even though I believed and stated, my initial request to move service was and shoulda been protected by Americans with Disabilities moreover, a company courtesy under the circumstances with a DOCTORS order. I would like these people to stop reporting this as a recent non payment and Id also like to know how or if it can be removed under any Disability Act.
10/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10562	Web
My name is XXXX XXXX and i served VIA CERTIFIED MAIL AN AFFIDAVIT OF TRUTH stating facts of 6 FEDERAL VIOLATIONS committed against me by IC System, along with a exhibits page pointing out the violations against me ( the Consumer ) under 15 Usc 1692, a Cease And Desist Letter and DEMANDING MY REMEDY AS PURSUANT 15 USC 1692c ( c ) ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; Im Demanding for IC SYSTEM TO PAY THE ATTACHED INVOICE FOR VIOLATING MY FEDERAL RIGHTS AS A CONSUMER, XXXX OUT THE ACCOUT AND DELETION FROM ALL CONSUMER REPORTS IMMEDIATELY. IC SYSTEM received this documents NOTARIZED AND COMPLETE ON XX/XX/XXXX AT XXXX XXXX and i will ATTACHED THEM TO THIS COMPLAINT AGAIN. IF I DO NOT GET MY INVOKE REMEDY COMPLETE I WILL TAKE THIS COMPLAINT AND THE FIRST COMPLAINT SUBMITTED ALONG WITH THE RECORDED CONVERSATIONS FROM THE IC SYSTEM REPRESENTATIVES I SPOKE WITH AND CONSUMER AFFAIRS SUPERVISOR IN WHICH THEY STATED THAT THEY WILL NOT INVOKE MY REMEDY AND WILL NOT COMPLETE THE DEMANDS INCLUDING THE PAYMENT FOR THE INVOICE AND PROCEED WITH LEGAL ACTION FOR FAILING TO COMPLY FOR THE FEDERAL VIOLATIONS COMITTED AGAINST ME AND DEFAMATION OF CHARACTER.
09/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35405	Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
05/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55082	Web
I received a notice from IC systems in XX/XX/2023 via postal service. I responded also via postal service in XX/XX/2023 with the following request : I am writing to dispute this debt as well as inquire of additional information. XXXX Dispute XXXX XXXX XXXX last XXXX balance provided to me was XXXX. XXXX credited 15 % as a courtesy and the amount being sought is inaccurate. XXXX Dispute validity of debt I am disputing this debt as valid at all. XXXX XXXX recommended our daughter stay in treatment and they and the insurance company were unable to settle. We followed medical advice from XXXX and are being asked to pay for a dispute between XXXX and XXXX XXXX. We dispute this debts as ours. XXXX We are asking for a detailed invoice of what makes up this XXXX debt so we can further dispute its validity. Please provide details. End of correspondence - I have not received any response from IC systems since my letter in XXXX. This debt was fraudulently charged off without providing the details requested as part of the fair credit reporting act. As I understand, this is illegal and should result in a penalty to IC systems. XXXX contacted me but did not provide the requested detail and nothing came from XXXX who was attempting to collect the alleged debt.
05/16/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 22655	Web	Servicemember
I canceled my account on XXXX XXXX for both phones. XXXX attempted to tell me months later that it is their " policy '' to refuse to cancel customers accounts on the dates their customers actually cancel but whichever date XXXX specifies. Additionally, XXXX attempted to tell me I had a contract. I did not. I had a leased phone. I only owed XXXX more nominal payment, which I made. When I started service with XXXX , I was billed for 2 months in advance. I paid that incredibly expensive bill. I still have a copy of that bill. I offered to provide XXXX with a copy of that bill. When I canceled service, I was never refunded for the prepayments of services that I pay on a monthly basis ; as it is " XXXX 's policy to bill at least XXXX month in advance. '' However, XXXX was billing me for an additional 3 months in advance. When I disputed the bill, they sent me to collections. I have had to hire an attorney to dispute the bill. Not only has XXXX sent me to IC Systems for collections. I have only received XXXX notice from I C Systems. I c alled IC Systems and in formed them that this was in litigation. They still posted this to my credit report against the FCRA. According to FCRA, punitive damages are also in order. This is illegal.
12/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94561	Web
About 8 month 's ago i discovered i was a victim of identity theft which was very disturbing to me to find out that someone unknown to me had used my personal information to get credit cards, phones etc. under my name and since i was not aware of these accounts they ended up getting charged off and some ended up in collections.At that time i field an FTC REPORT and send it to all credit bureaus and notified them that i am a victim of identity theft. a month later i received my new updated credit report which showed they removed items that was opened up fraudulently, about amount later i got an alert that i have a collection account that is reporting on my credit report i immediately purchased a copy of my credit report and discovered a collection account for an unpaid telephone bill from company called IC SYSTEMS INC, I contacted the company and told them this is a fraudulent account that some one had used my information and the representative asked me if i have a police report and i told them no but i have an FTC report and she said if i get a police report she can remove the account from my credit report, obviously thats what i did and faxed the papers to them and the item still at my credit report. Also this account was not in my credit report originally.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. I have all the evidence attach below XXXX XXXX XXXX XXXX : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO CHILDSUPPORT ACCT # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO I C SYSTEM ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX ) ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX XXXX
02/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78745	Web
Discovered a pending collection on my credit reports on XX/XX/XXXX : XXXX and XXXX. Collection Agency : I.C. SYSTEM, INC The report stated that there was amount of {$100.00} owed to XXXX XXXX, and was filed on XX/XX/XXXX. I had no knowledge of this amount being owed, and currently have two active accounts with XXXX that are fully paid for. On XX/XX/XXXX, I called XXXX to inquire. XXXX representative confirmed they had no record of any pending amounts, nor of having contacted I.C. SYSTEM, INC. It was also stated by the representative that they would not use a collection agency for that small of an amount nor that short of time, and would have made several attempts to contact myself first. I then contacted I.C. SYSTEM, INC to inquire about why this was showing on my Credit Report. They would not and could not provide any relevant information to what this account was allegedly referring to, and did not have any current or accurate information concerning myself or where I was currently living. I then requested for them to remove this, as this was a fraudulent collection. I.C. SYSTEM, INC informed me it could only be removed if I paid for the amount. I then requested for them to send me all information and collection receipts in writing which they refused.
12/02/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CO 80004	Web	Older American, Servicemember
On XXXX XX/XX/2023 I received a letter from I. C. System, Inc. stating I owed {$310.00} to XXXX XXXX and I. C. System, Inc. was a debt collector trying to collect XXXX XXXX debt. I called them and found out that XXXX XXXX was XXXX XXXX XXXX XXXX cell phone. I was also told that it was a commercial account. The phone number is supposed to be XXXX. I. C. System, Inc. recommended that I contact XXXX XXXX XXXX at the website XXXX XXXX XXXX My browser will not let me connect to that site. It tells me that it is an unsafe site. I called XXXX XXXX XXXX Cell phone and they told me to write this note to their abuse email. I am also sending a copy to the FTC at www.consumer.ftc.gov and to the XXXX attorney General web site. I have never had an XXXX XXXX XXXX XXXX cell phone. I have never had a cell phone with the number XXXX. I have never had a commercial phone account. I have never received a bill from XXXX XXXX XXXX cell phone company. Somebody is illegally trying to obtain money from me under false pretenses. Please remove my contact information from this bill and contact the major credit bureaus about this fraud attempt and to remove any negative information about this so called debt. Cordially, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76180	Web
I moved residence and changed utility providers on XX/XX/XXXX, so ended my service with XXXX and made XXXX what I assumed was XXXX my final payment. They failed to mail me any additional invoice or call me with any updates/outstanding charges and I thought that we ended on good terms, since I even returned the equipment and confirmed with one of their store representatives. On XX/XX/XXXX, I saw a collection from XXXX XXXX on my XXXX report for {$55.00}. I immediately contacted XXXX and spoke with XXXX. They ( XXXX XXXX charged me {$55.00} for an outstanding balance from a statement that they claimed was generated on XX/XX/XXXX. I asked the representative if the charge would be removed from collections and she confirmed that it would. I paid said amount in full, via their chat, and she provided me with a confirmation number. I then disputed the collection on my XXXX report and XXXX XXXX removed it, but I can only conclude that they sold off the debt to another third party ( IC System Inc ) because said party erroneously added an additional collection on my report on XX/XX/XXXX in the amount of {$120.00} for XXXX So this creditor was not even attempting to charge the original amount and XXXX failed to update the account information, which was paid in full.
09/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36526	Web	Servicemember
In XX/XX/2020, I disputed a collection debt from IC Systems that appears on my credit reports with XXXX and XXXX. Sadly, each credit reporting agency reported the result of their disputes was that they verified the debt as being mine and the collection would remain listed on each of my credit reports with XXXX and XXXX. On XX/XX/2020, I called IC System to discuss the debt/collection they claim I owe, and I was told that the original claimant, XXXX had recalled their claim with IC System and that IC System had notified each credit reporting agency, XXXX and XXXX to remove the debt from my credit reports and that according to IC System records, the debt was to be removed from each report no later than Wednesday, XX/XX/2020. The collection/debt was removed from the XXXX credit report as advised, however, XXXX still had the false collection/debt appearing on my credit report and I am not allowed to dispute it again with XXXX because I recently disputed it and they claim to have verified the debt. Id appreciate any assistance you may be able to provide in having XXXX remove the false debt/collection with IC System for {$290.00}, as soon as possible as the decrease in my credit score is hindering my ability to achieve an auto loan with a decent APR.
05/08/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33021	Web
I C Systems has engaged in harassment by continuously reporting the same debt to at least the credit bureau, XXXX. The debt was reported four times in less than 30 days. This was an effort to pressure me into paying them and obliterate any creditworthiness I may have had. The debt is in the amount of {$9800.00} ; the original creditor is XXXX XXXX XXXX. By repeatedly reporting the debt back to back my credit rating was destroyed. This tactic was intentional and deliberate. The debt was reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. It is common knowledge among debt collectors that if a consumer disputes a debt this too may also lower their credit score. I C System Inc. abused the credit reporting system by not only using XXXX reporting to harass me, but also continuously report the debt in hopes I would dispute the debt as well. Since I received notification of the derogatory entry on my credit report, I have not claimed ownership of this debt ; however I C System continued to practice unethical debt collection practices via credit bureau reporting ( harassment ). Prior to the debt appearing on my credit report, I never received any notifications from either the debt collector or the original debtor so that I could dispute the debt.
06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48021	Web
I recently pulled my Credit Report. Completely surprised to see on that report : I C SYSTEM COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$200.00} Date Updated : XX/XX/XXXX Original Amount : {$200.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I never received a bill, call, email, nothing from this company. Suddenly it just appeared on my Credit Report. They did not follow legal debt collection practices, I was not given 30 days to dispute this. As of right now, I have still never heard from this company. The damage is done. I am trying to get a new mortgage and move, but because of companies like I C SYSTEM COLLECTIONS # XXXX, who have MANY complaints such as the XXXX, XXXX, etc., I have to wait on unscrupulous credit collectors. I have never received 1 single item to try to verify this debt. I have never head from them. Now I have to waste my time waiting on this company. They never gave me the opportunity to verify the debt.
12/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 115XX	Web
IC debt collectors put themselves on report 6 months ago. Turns out they are saying they are collecting for a utility company and the last time account was operating was 5 years ago????? Ive asked several times for documentation especially billing and payment history and they cant and wont provide me with anything. I told them several times social services was last handling and paying the account. I couldnt pay it years ago and social service took it over so the power to the home wasnt turned off because there were young children living there with me as well anyway the collection agency refuses to send any proof of any billing. I am not responsible for any of social services dealing with them. I lived in the house and didnt pay an electric bill for 5 years. I would see bills mailed and see social services make some payments but it had nothing to to do with me. Thats the law in my are I guess becasue thats how the electric stayed on all those years without be payng anything because I didnt have anything. So I C systems wont send me any documentation of anything. If they did the billing all those years back would show any payments made to the account were made by social services. Ive tried several times to explain this and all they do is make threats
01/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	HI 96753	Web
XXXX XXXX sent an account to collections which has been attached to my credit in error as it is not my account. The account was sent to IC System for collection and currently has a balance of {$1300.00}. I spoke to IC System on XX/XX/2022 and they provided me with the XXXX account number, the name and spelling of the customer, the service address and the service dates. They told me that I needed to file a fraud report with XXXX XXXX. I do not believe that this is fraud because the agent I spoke to at XXXX XXXX on XX/XX/2022 said that there was no social security number used to open the account they are attempting to collect on. The name on the account that they are trying to collect on is pronounced the same as my first and maiden last name. However, the spelling of both the first and last name of that individual are different from mine. The service address is in a state which I have never lived. Now I am being burdened with filing a police report and getting a fraud report notarized in order to have this removed from my credit. It seems that they randomly selected someone with a similar name to collect the debt from. I was never contacted in an attempt to collect on the debt. I was only made aware when I received an alert from my credit card company.
02/18/2019	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 Their investigation did not fix an error on your report	FL 33441	Web
IC Systems Inc. has continued to reflect a derogatory account entry on my XXXX credit report despite my efforts to challenge the validity of such. IC Systems has not once notified me of this alleged debt in writing. In particular, per FCRA, I was supposed to have received a dunning letter from them whereby I would have had 30 days to dispute the validity of such account. To date, I have yet to receive anything from this company. I have never heard of this company, nor have I ever conducted any business with this company. The mere fact that they blatantly placed this erroneous entry on my credit report and continue to report it is causing further detriment to my creditworthiness. In my review of this account entry, ( see attached documentation ), as IC is reporting on my XXXX credit file, they stated that the account was opened in XX/XX/2017 and they started reporting in XX/XX/ 2017. How then, did they allow 6 months as per the Affordable Care Act for any insurance payments to process? They did not provide the financial responsibility statement nor any documentation to support or justify this alleged debt. In short, this entry is erroneous and unverifiable and must be DELETED immediately due to IC Systems forfeiting my rights under consumer law.
09/24/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 781XX	Web
they ruined my credit showing many months of collection on a debt. third party collector Account Info Account Name I C SYSTEM INC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$360.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$360.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide Collection as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 774XX	Web
In review of my XXXX credit report on XX/XX/XXXX, I noticed a " Collection '' account being reported by IC System Inc. I do not know who this is and why they are reporting a collection on my 3 credit bureaus credit file. I have not received any communication form them in any for or fashion. Furthermore, they have violated my consumer rights under the Fair Debt Collection Practice Act Regulation F. This law was enacted on XX/XX/XXXX and clearly states that Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. This company has not done the above and should remove this account from my credit files.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 326XX	Web
I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. XXXX XXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. I.C. SYSTEM, INC ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. XXXX has never had a late payment and needs corrected to reflect this on my credit reports. XXXX has never had a late payment and needs corrected to reflect this on my credit reports. XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.
08/17/2019	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 Their investigation did not fix an error on your report	MA 01702	Web
This company claims that I have a balance of {$1700.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureaus that they are reporting this debt to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I know that the FCRA says that a contract needs to be provided to the consumer bearing his signature when validating a debt. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows the name of this company but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30549	Web
On XX/XX/2021, I was contacted by my bank due to refinancing our house. The bank stated I.C.Systems had a collection on my credit report. I called I.C. Systems and spoke with them. I ended up paying the amount of XXXX after explaining that this was not correct and I never had XXXX XXXX I paid simply for the fact to get this off my credit and so my bank could proceed. I did not understand at the time that I needed a deletion letter from the company. I called I.C. Systems back and asked for a letter which they could not provide. I then spoke to a supervisor and told her my situation and asked for a letter. She ( XXXX would not provide a letter. The debt was paid and I only needed a letter to give to the bank to continue my loan. I.C. Systems would not provide this and I feel this is not how you treat a victim of possibly Identity Theft. I then called XXXX XXXX and spoke to XXXX different associates including an Identity Theft Investigator who also stated the process will take 6-8 weeks. I am currently having a police report competed and filling out the XXXX XXXX Affidavit. My concern is that neither XXXX of these business have a protocol in place for victims. A victim should not have to wait weeks or months to get a simple letter on letterhead.
10/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 117XX	Web
I.C. System Inc. is INACCURATELY reporting a debt for an account that has been previously SETTLED AND PAID IN FULL with the original creditor. The original Creditor was XXXX - XXXX XXXX. On XX/XX/2020 I sent a debt validation request to IC System Inc. regarding an alleged debt of {$75.00}. On XX/XX/2020 I received a letter from their office with information from the original creditor. Immediately I contacted XXXX XXXX directly and sent payment for {$75.00} via USPS money order dated XX/XX/2020 to XXXX ( original creditor ) : XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/2020 IC System Inc. FALSELY reported to the credit reporting agencies a debt for {$75.00}. They are in serious violation of the FDCPA Section 808 as they DID NOT provide a statement on their written notice which I received on XX/XX/2020 giving me the consumer 30 days to act on the alleged debt. It should be noted that 30 days of RECEIPT of their notice had not yet been met as of XX/XX/2020 the day they FALSELY reported this account to the CRA 's. They also are in violation of the FCRA as they reported the amount owed for this debt was {$75.00} which is INACCURATE. In addition they are attempting a debt during the pandemic which is a violation of the CARES Act specific to New York State.
03/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23234	Web
This situation is over a leased cellphone buyout from XXXX. I overpaid for my leased phone and wanted that overpayment to go to owning the phone. I gave them excess money and cant even get a refund for it. I decide to cancel my service. I request a return package to send my phones in. When I finally received it I returned the phones and moved on with my life. Next thing I see is a charge for the full amount for the phones. I call XXXX up and verify they received the phones before asking if I owe anything. They look it up and see the phones were received I said ok cool and hang up after confirming my account was cancelled successfully. This XXXX bill saying I owe them for the phones must have been an error. I later receive a collections flag on my credit, I found out by getting denied on a credit application pull. I contacted XXXXXXXX shortly after about this issue and they confirmed that the phones were received successfully and I should not owe anything. They said they will contact the collections agency about this, and call me within 7 days. ( I recorded the conversation as well. ) they never called me back. Their verification is inaccurate and they are making me responsible for a debt I do not owe, and tarnishing my credit at the same time.
05/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 77407	Web
I received a letter from IC System back in XXXX XXXX, 2015 stating that I have a balance due from XXXX XXXX XXXX. I was shocked and researched the issue with XXXX XXXX XXXX immediately. XXXX XXXX XXXX confirmed with me on the phone and in writing that I did not owe them any balance and the communication from IC System is incorrect. Then, I contacted IC System to explain the situation to them on XXXX XXXX, 2015 and the representative ( XXXX ) advised me to mail them a dispute letter. Then, I did mail IC System two dispute letters. After I sent the dispute letter, I follow-up with IC System three times on the phone on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2015. IC System advised me that the status is pending the response from XXXX XXXX, but they will not report my file to the credit bureaus as they still need to do a investigation. However, I just realized they reported my file to the credit bureaus few days ago without clarified my account with XXXX XXXX XXXX. I called IC System today, XXXX XXXX, 2015 and seeking for help. Their response to me is I am sorry they can not do anything about it, I can dispute that from the credit bureaus if I want to. I believe the whole process make me very frustrated and helpless because of the mistake of a billing.
12/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20716	Web	Servicemember
I've repeatedly contacted IC Systems ( ICS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX to ask that they remove an account previously with XXXX XXXX for Cable and internet services in the amount {$130.00}. The company has been report this account as in a collection status since XX/XX/2020. The account in fact was over-paid closed. XXXX actually issues a {$250.00} credit for the overpayment. I reached out to IC Systems several times starting in XX/XX/2020 to ask that they contact XXXX XXXX to confirm the status of the account and I was told that they would not contact XXXX XXXX to confirm the account. I also provided a copy of my receipt of the final payment made in XX/XX/2020 along with a letter asking that IC Systems delete to account. At the time I was just retiring from the military and trying to complete the purchase of a home. Due to the erroneous debt my credit score dropped over XXXX points over the course of 6mos and forthmore impacting my ability to secure a mortgage. I'm currently consulting an attorney to possibly file a lawsuit for damage as result of IC System 's erroneous reporting of this account. I'm also considering pursuing a class action suit again the company for it's practice. Please help.. Respectfully,
06/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 301XX	Web	Servicemember
Someone was able to use my Information for what looks like two separate events. someone used XXXX XXXXXXXX XXXX for a visit or two, in addition they opened up a XXXX Account and failed to pay for either. therefore it is on my report and I have no previous history with either of these companies. XXXX XXXX XXXX Original creditor : XXXX {$250.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$250.00} {$250.00} Payment Info Original balance {$250.00} Balance {$250.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$330.00} {$330.00} Payment Info Original balance {$330.00} Balance {$330.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX XXXX
01/22/2024	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	CA 90032	Web	Servicemember
I repeatedly have asked for the final bill from XXXX. I left the company owing {$610.00} this was the amount showing in my XXXX app. After I left XXXX I lost both access to my account information and my ability to make regular payments. I have spoken to XXXX on the phone and via email to get an accurate balance. I've also asked then via email why the final balance is greater than it was before I left and to explain it. Not only have they never responded with the information, neither responded to my request to make payment arrangements for the balance... they just sent my account to COLLECTIONS for an exaggerated amount. I opened an email from IC systems over the weekend and had to check ( 2 ) acknowledgement boxes BEFORE they would let me access the screen that showed how much they say I owed which I do not accept. I do not owe an over {$900.00} dollar balance. They are trying to extort money from me and other consumers according to an existing lawsuit and settlement which is actively being adjudicated. My account does not belong in collections and they better not try and report this to the credit agencies as I have not be allowed to 1 ) access the system to pay the balance myself 2 ) make monthly payment arrangements to settle the matter.
09/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30324	Web
IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies you have 30 days to remove this or we will go to court.
11/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43219	Web
ICS said the account was opened XX/XX/2023 but I had been with XXXX for at least 2 or three years. The account status says open but when I called XXXXXXXX XXXX fraud dept, they said there was no information on my account that I owe anything. I talked to customer service and they said the same. I had a debt like this years ago and it was paid because I had XXXX ( now XXXX ) after that, which wouldn't 've have happened if the debt wasn't paid. Again, years ago. This is fraudulent. I only received the debt from ICS and then they appeared on my credit report. I can provide my service provider billing info at the time for XX/XX/XXXX because I wouldnt have two different internet companies at the same time. I told them to prove i owe it to which they said i owe them in response. I disputed and they said in the email, " thank you XXXX XXXX for your help, you can set up payment arrangements for the amount. Back when they were billing me this- I called XXXX and the lady said someone at my old address racked up the bill. She said she would take care of it and I heard nothing for months until I had it on my credit. I don't mind paying what I owe, but not what I don't owe. I was part of the XXXX compromise and have had numerous problems since.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT XXXXX	Web
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting I however, never received any calls, notices, or letters from IC Systems about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus 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 my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
10/22/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 334XX	Web
I was a XXXX customer. On XX/XX/2019, I returned to XXXX all its equipment. The same day I returned the equipment, I took another internet service with XXXX XXXX XXXX. XXXX received the equipment on XX/XX/XXXX, and I also called them to let them know that I returned the equipment. In XXXX, XXXX sent a bill mentioning XXXX past due. As a result, I called them to remind them that I haven't used XXXX for almost two months, and why they keep on sending bill to me. I also sent to them the return receipt along a formal correspondence in which I explained that I don't have in my possession any XXXX equipment. Surprisingly, in XXXX XXXX sent another bill with XXXX and XXXX past due. I did the same thing by calling them to clarify the case. In XXXX, I received a correspondence from XXXX mentioning that I have been disconnected for non payment, and I have been charged {$330.00}. All I have tried was in vain. Finally XXXX has sent the case to credit collectors. At least, three credits collectors have attempted to collect the {$330.00}. Right after I sent the proof that I returned to XXXX its equipments, they returned the case to XXXX. Now XXXX has sent the case to a fourth credit collector, which is I.C System. This is why I am writing this complaint
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 765XX	Web
In accordance with the Fair Credit Reporing Act, I C System has violated my rights. 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. With regard to I C System who is the collection agency responsible for an original debt owed to XXXX. First and foremost, I C System furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2. Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with IC System in an attempt to rectify the incorrect dates appropriately, however, I C system continues to knowingly report false information on my credit report. Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that I C System is reporting incorrect information as I C System, themselves, can not even keep the information straight.
03/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 56303	Web
Few months ago I did a routine check on my credit score, which is normally around XXXX, the day I checked it it was about XXXX, not good. After hours of going though my bills and then downloading XXXX I finally figured out that XXXX XXXX sent an account to collections in my name. I immediately went to the XXXX office and spoke with a representative, she confirmed that I had no past due bills, and didn't owe anything. I called the debt collection agency, IC systems they told me they couldn't find the reason why I owed the money, on a side note they also had my address listed as a house I haven't lived in in over 5 years which would explain why I never received a notice. At that point I just used XXXX to remove the debt from my record which they did, but I am still receiving settlement offers from IC Systems. Also on the XXXX website I can only look at statements from 6 months ago or sooner, how the heck am I supposed to prove I've paid my bills when I can't even access the receipts? Everybody should know that XXXX XXXX absolutely decimated my credit score and they won't even so much as give me an apology, they literally couldn't care any less about their customers. I'd say stay away from XXXX but who else can you get internet service from?
12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30064	Web	Older American
XXXX continued to bill me erroneously for service after I physically visited them in XXXX on XX/XX/XXXX and cancelled my service and turned in my equipment. XXXX confirmed by phone finally in XX/XX/XXXX they had located paperwork indicating I had cancelled my service and should not have been billed. The paperwork was sold to collection agencies - this is # XXXX and is now being erroneously reported as a collection on my credit report. IC Systems is falsely reporting a collection for a debt I do not owe. My XXXX account was paid through XX/XX/XXXX and service was cancelled in person on XX/XX/XXXX. If anything, they owe me money. I have had over XXXX scores for over 10 years and now Equifax score is XXXX. This is simply not right and not fair. XXXX tells me this is too old to retrieve records since it 's over 2 years. The collection companies automatically think the consumer is guilty. My credit report says otherwise. I pay my bills and I pay them on time and often ahead - way ahead. I want this collection removed from my credit report and my credit score restored. I do not owe anyone anything! For XXXX years I 've had to put up with these collection agencies calling constantly and sending letters trying to collect a XXXX debt I do not owe.
12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29445	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.
10/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 341XX	Web
I paid off and was assured my XXXX XXXX account was paid and closed after graduating law school and leaving my apartment in early XXXX, when my lease expired. Not only did they not credit my payment to my account, something that has happened before where they credited another persons account with my money, but they continued to charge me for the weeks of XXXX after my lease ended, and even for XXXX and XXXX. Then without even a single written notice or indication that they were submitting this to a debt collection company, and no possible way for me to expect it considering I paid these XXXX, suddenly my credit score drops from XXXX to XXXX. I find this out applying for a credit card, look at my credit score, and cant believe my eyes. They are billing me when its physically impossible for me to be utilizing the utilities provided, and they have simply taken my money and placed it somewhere it doesnt belong, kept my account open which means the new tenant and myself have accounts for the same unit in this apartment complex and XXXX is trying to double bill, and last but not least, they are reporting incorrect information and I plan to sue them if they dont expedite the process of mopping up their mess of sketchy and fraudulent activity.
01/25/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60637	Web
I am writing to raise a serious concern regarding a debt collection placed on my consumer report by I C SYSTEMS, I have reason to believe that they have not followed the proper protocol as outlined in the ( FDCPA ). I C Systems placed a debt on my consumer report WITHOUT providing me with any information to dispute the debt. I did not receive any prior communication from I C SYSTEMS regarding this debt. I only became aware of the situation when I checked my consumer report and noticed a significant drop in my credit score due to the addition of a collection account. I promptly request that I C SYSTEMS provide me with debt validation within the legally mandated 30-day period. I also request that additional information in be provided to me in the letter to futher validate the debt. I am certain, that I C SYSTEMS actions are in violation of the FDCPA. Their failure to provide the necessary information and validation of debt before placing the account into collections is deceptive collection practice. This situation not only unjustly affects me but also violates the regulations meant to protect consumers! I kindly request your assistance in addressing this matter and ensuring that I C SYSTEMS is held accoutable for their actions.
08/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92130	Web
In XX/XX/XXXX a delinquint XXXX account hit my credit report. I have never been a customer of XXXX. I contacted XXXX and they were very unhelpful, hung up on me multiple times. I froze my credit, filed the fraud report with all of the major credit bureaus, filed a fraud report with XXXX ( no response ), and filed a police report. After I explained all of this to the debt collection agency ( XXXX ) they agreed that I was a victim of identity theft and said they would cancel the debt. The major credit bureaus agreed and removed the debt from my credit report. Fast forward to XX/XX/XXXX and the same delinquent account shows up on my credit report, this time the collections agency is XXXX XXXX. XXXX had tried to collect the debt of an identify theft victim! A quick call to XXXX XXXX and the major credit bureaus and it was again erased from my credit report. Today, XX/XX/XXXX. I receive a letter now from IC Systems saying they will put the SAME XXXX DELINQUENT ACCOUNT on my credit report if I don't prove to them it's not my debt within 30 days. After filling out the complaint online it just sends me to XXXX antiquated fraud form that falls on deaf ears. This is clearly harassment by a major corporation of an identity theft victim!
07/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 304XX	Web	Servicemember
I contacted XXXX in XXXX of XXXX to cancel my services and end my account with them. Im XXXX XXXX military and also provided them with copies of my XXXX Orders in order to effectively terminate my contract early. Up until XXXX of XXXX I received emails about my outstanding balance. All while Im XXXX multiple times and attempting to resolve this. On XX/XX/XXXX, I contacted XXXX and communicated with them about the charges. The representative stated that I paid off the balance that was due in XXXX of XXXX and had a {$0.00} balance following. This is the same month I disconnected my service. In XXXX of XXXX, I receive an email from XXXX stating that my service has been disconnected. In XXXX of XXXX I received an email stating that I had a overdue balance of {$270.00} after services have already been disconnected. In XXXX of XXXX I received an email stating that my account has been disconnected, effective date XX/XX/XXXX, with a balance of {$250.00}, as well as another email on the same date saying my bill is overdue of {$270.00}. XX/XX/XXXX I received another email stating that my overdue bill is now {$740.00}, to include an {$300.00} ETF ( early termination fee ). XXXX of XXXX, a collection account is the reported to my Credit Report.
03/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94605	Web
XX/XX/2020 I received an updated credit report from XXXX where I noticed an account that was in collections for {$250.00}. The account was from IC System Inc for a medical service provided by XXXX XXXX. I disputed the account with XXXX and they told me that IC System has verified my identity and that I would have to contact them to remove the debt. I contacted them, verified my name and date of birth and address. They did not have my address on file correctly and could not match me to an account. I had to give them the account number that was on the XXXX credit report. They let me know I would have to file a police report and send it via mail. I sent it and waited a week, checked back in and they said they didn't receive it and it was nothing they could do. I waited another week and they said they did not receive it and it was nothing they could do. I talked to a manager who shared with me more details about the account with XXXX XXXX and it was an insurance company I had never had/used and she advised me to contact them. After my plea for help with this issue she ultimately told me that it was nothing she could do and that there was no alternative way to send in the police report to guarantee they got it. I was told to just wait.
09/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80031	Web
I received a letter from I.C. Systems dated X/X/17, in regards to a delinquent debt from XXXX in the amount of {$56.00}. This is completely incorrect! XXXX had initially set up my account incorrectly and they closed my original account to fix the incorrect account, which is the account in question, and rolled over any amount due to my new account number. I am in good standing and have paid in full every month! I called XXXX and a very nice woman was able to resolve this matter for me and confirmed this was a XXXX error. She advised I file this complaint against XXXX so this does not negatively impact my credit. XXXX gave me a Reference # to confirm the delinquent amount of {$56.00} should NEVER have been charged at all or turned over to collections. This amount was incorrectly charged in the first place. I have had nothing but problems with XXXX from the very beginning and they have been unable to fix problem after problem! This is the last straw turning me into collections for THEIR error! They are an absolutely ridiculous company and I am sad I am currently stuck in a contract with them bundled with XXXX XXXX. What a horrible experience! I am happy to provide any account and reference numbers needed for this situation. Thank you.
02/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I had an ATT account for internet only that was placed on hold in XX/XX/XXXX due to having to move aburptly. ATT described the hold as having a small payment ( approximately {$17.00} ) until I could install the internet in my new location. I moved into my new location in XX/XX/XXXX after living in hotels and my car. I moved to an area and an apartment that ATT did not service. ATT advised me that they did not service that area therefore I returned their equipment but continued to be charged until XX/XX/XXXX. I spoke to approximately 3 representatives and a fraud manager but found this account in collections for {$100.00} for the months that I had XXXX internet and was paying for XXXX internet from XX/XX/XXXX until XX/XX/XXXX. I began to receive calls for debt collections in XX/XX/XXXX and found these charges on my XXXX XXXX report from I C Systems on behalf of ATTXXXX for {$100.00}. These charges were disputed at least 3 times and resolved. Recently, charges have appeared again from XXXX XXXX XXXX on behalf of 11 ATT for {$100.00} for an account opened in XX/XX/XXXX. Completely not true. I had XXXX internet service at that time and never opened any other account with ATT. I have filed another dispute resolution in XX/XX/XXXX.
09/08/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 19114	Web
i recently sent a letter to the I.C. SYSTEM, INC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
03/13/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80120	Web
I have continuously received a debt collection letter from a company called IC System. This debt is supposedly for an overdue phone bill that I owe to XXXX XXXX. The issue here is that I, XXXX XXXX, have NEVER been a customer of XXXX XXXX in my life. I have never owned an account with them. So this is either a complete mistake or fraudulent collection notice. This collection notice resulted in a " hold '' on my credit report with XXXX, which resulted in my denial of a loan with my bank. On XX/XX/2020 I opened a dispute on this account with XXXX. The dispute was settled on XX/XX/2020. However, this item was not removed from my credit report. I then contacted XXXX XXXX on XX/XX/2020 to dispute the collection, and was told they could not help me. The woman that I spoke with said that I needed to contact IC System directly to dispute the collection. However, I have called IC System on three separate occasions, and was unable to reach a service representative. I waited for a rep to become available until I could no longer wait. Thus, I was never able to speak with anyone. It is for these reasons that I am filing this complaint. I want this false/fraudulent debt collection completely removed from my credit report altogether.
03/17/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web
This is a complaint from XXXX XXXX against IC Systems for IC Systems 's failure to provide requested information for the debt alleged. As of XX/XX/2017, IC Systems has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
05/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78253	Web	Servicemember
XXXX XXXX XXXX Opened by a spouse/partner-XXXX XXXX Unknowningly was added as an authorized user without my knowledge or consent. Last payment made-XXXX {$300.00} limit / high limit {$550.00} Date closed XXXX Account was closed by grantor Debt is appearing on my credit yet I had no knowledge or usage of said account. XXXX XXXX Opened by my ex spouse/partner XXXX XXXX - was added as co-signer/joint applicant Account opened- XX/XX/XXXX High balance- {$5100.00} Balance- {$750.00} Charged off XX/XX/XXXX Last payment madeXXXX Upon splitting up she stated she was keeping the furniture and would remove me from the account and keep paying the payments, however that did not happen. We split up XX/XX/XXXX XXXX - I C systems Collection Account opened-XX/XX/XXXX High balance- {$560.00} Amount due- {$560.00} Balance- {$560.00} This account was not authorized or opened by me, I have no knowledge of this account and do not acknowledge this debt held against me. note There are multiple of identical inquiries against my credit that were not initiated by me or on my behalf. Nor were these inquiries authorized. XXXX XXXX bank- multiple repetitive inquiries, fraudulent credit attempts XXXX.XXXX fraudulent inquiry XXXX- fraudulent inquiry
03/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23832	Web
I have been receiving calls from IC Systems stating that I owe over {$1000.00} for a debt from when my son was born. When they first contacted me, they had an address on file that I had n't lived at for years. They also gave me a medical group that I have never used, but they used my sons doctors name who has also never worked for that medical group. I have repeatedly told them this is not my debt. I have contacted my sons doctor asking about this, they know nothing of it. I then called the hospital where I had my son. They also have no record of this. Both the hospital and sons doctors office say they have never used IC Systems as their collection agency. IC System is stating that my son did not have insurance for the first 3 days of life, but I called his old insurance and he did. They have not had correct information for a few things and I have been reserved about giving them more information because I stupidly gave them my current address the first time I talked to them before knowing what they wanted. They will not stop calling and I have told them I disputed the charges but they still say this is my debt. I never check my credit report but once they contacted me, I checked at once and found that this is on my credit report.
12/13/2022	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	TX 750XX	Web
IC Systems reached out to me regarding two accounts one being XXXX, and XXXX on XX/XX/2022. They spoke to me about these accounts and we agreed that If I make a lump sum payment, IC Systems will remove all negative information from my credit file associated with the debt. We agreed to settle Account XXXX where we agreed that I would pay {$270.00}, for account XXXX we agreed that I would pay {$85.00}. On XX/XX/2022 I kept my end of our agreement and hoped that IC Systems would do the same. However as of Today XX/XX/2022 IC Systems is still reporting negative information regarding this account. According to the FDCPA has a strict list of laws that Debt Collection agencies must follow and IC Systems is violating the law by misleading me as to what I was paying for. At first I believed that this may have been an honest mistake on their behalf. However I submitted a dispute with the Bureaus and they wrote me that IC Systems allegedly " verified '' this. The call that the agent and I had on XX/XX/XXXX notates that I agreed to give IC systems a lump sum of money in exchange they would remove all negative information from my credit file. If IC systems is not going to keep honor our agreement I need to be refunded {$360.00} immediately.
07/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 294XX	Web
Per XXXX contract and attached documents, as instructed we returned our phone equipment in the trackable mailer provided by the company. Attached proof tracking confirms they received it. they did not credit our account but rather shipped our account to a collection agency called I.c Systems who states they received the deb to collect from XXXX and they can not discuss anything with us other than payment in full. Several attempts to discuss with the original company but they refuse to discuss receipt of their equpment as shown in the attached tracking document. This false debt is now listed on my credit report. Furhtermore despite the young age of the report, immediately after I filed a complaint with Transunion, I.c Systems reported the debt as " charged off '' and will now not engage. The company is I.c. Systems. I.c. Systems is the collection agency for XXXX. I.c. Systems is reporting {$1000.00}. Each piece of equipment returned was promised as a XXXX.credit toward our end bill = XXXX total credit. If credited I would owe XXXX not the credit company amount of XXXX. The debt reported is incorrect. My credit score is being dmaged from this inaccurate collection activity / report AND I dont even have the equipment I returned!
08/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 20169	Web
I had an account with XXXX XXXX and after the account was cancelled they sent it over to I.C Systems. Which I then made payment directly to XXXX for the past due amount of {$240.00} on XX/XX/2021 to keep the bill from reflecting on my credit report. Which XXXX did not send that over once I paid. The collection company told me it was my responsibility to make sure they were notified that the bill was paid. But they sent an electronic request to XXXX for this matter. When they reached out to XXXX they contacted the wrong department for this account information. So when I received a letter stating that the bill still had not been paid, I reached out and they informed me that if was job to make sure they got information again. Which I called XXXX and after getting to the right department they said no I paid this account back on XX/XX/2021 and sent it over. But XXXX did not send the court date, and I C Systems are still telling me it's not their jobs to verify the correct information, and that I will need to wait for it to be removed my credit report or trying disputes with the credit bureaus. Which I do not feel that it is my job to go through all these hurdles when the company could make a few phone calls to resolve this issue.
02/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32817	Web
I received notification that a collect account was reporting to my credit report from an account I have no knowledge of. I spoke to the original creditor who asked that I submit a fraud complaint form and I would receive resolution. The complaint was submitted and I was left a voicemail that the debt was validated based on a match from public records. I requested a signed original contract as well as any and all validation they have to prove this is my account and NOT a result of fraud. I have since proved to the CRA 's that the " public information '' is inaccurate and it has been removed from my file ( i.e. address ). The collection agency was able to provide me information regarding the debt by locating the account using my SSN. They provided me with the Account number which has lead me no where with the Original Creditor. When speaking to the original creditor, I have been advised they ( the front line representative ) is unable to discuss the account without the account passcode. I informed them seeing as how the account was established without my authorization, I do not have that information. I have been unable to receive resolution from either the original creditor nor the collection agency that is reporting this debt.
04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 482XX	Web
In accordance with the fair credit reporting act, I C System, XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process. As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.
02/17/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63301	Web
Mid XXXX I received a Collection letter from IC Sytems stating I owe {$41.00} to XXXX XXXX which is False and fully disputed. Upon receiving letter I called IC SYSTEMS to verify the information and to let them know I would be disputing the said debt. The collector verified the XXXX number I was calling in from and Identified as my cell phone and requested Cease and desisted all call to my cellphone. I sent in written my dispute and requested all itemised statements, contracts and validity of this debt. First week in XXXX I received some fraudulent typed letter ( see attached ) Saying I owe with no detailed explanation, contracts. Payments, receipts and statement to pay. Per REGULATION F this is a violation of a valid debt. There is no leagal documentation or binding contract from original creditor. SECOND. I started receiving numerous calls to my CELLPHONE, from multiple numbers. They would hang up on me. A representative finally answered and IDENTIFIED IC SYSTEMS AND A DEBT. I advised that I requested a cease and desist from my cell phone and I was transferred a coulple times where I was told I need to put NO CALLS TO MY CELL PHONE IN WRITING WHICH IS A BLATANT LIE!! This is harassment for a debt that is not valid.
02/25/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 279XX	Web	Servicemember
On XXXX XXXX I received a collection bill from IC systems in relation to a debt I then called and set up payment arrangements due to the balance being owed per my divorce decree by my ex wife I was told to pay it on XXXX XXXX. I told them I get paid the XXXX and I would pay when she paid. I am XXXX XXXX military and told them that. I explained it would get handled they promised as long as I payed it wouldnt affect my credit. I paid on XX/XX/XXXX as promised. Shortly after my current spouse and I went to finance a home and IC systems not only took payment the refused to follow through with deletion of account. My wife called and spoke with a supervisor who stated they listen to the call and told us they had an arrangement with cox cable to not delete when ask for documentation the supervisor refused to provide said policy and asked if we had an attorney. After we insisted on this being rectified we were told to contact an attorney because the supervisor stated that had no black and white written document stating said policy and the conversation was over and hung up. I want this deleted from my report I satisfied the debt in the time that was agreed to and all calls are recorded there, they need to rectify this immediately.
05/31/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77077	Web
On XX/XX/XXXX, I was notified of a credit change due to a debt collector placing 2 derogatory marks in the amount of {$250.00} on my credit report. Upon review, I determined that IC System based in Minnesota was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX TX. Previous to the credit report change, I had never received any type of communication from either IC System or XXXX XXXX regarding my past due amount. On XX/XX/XXXX, I spoke with both companies and resolved the issue, finding out that the 2 marks were for the same overdue invoice from XX/XX/XXXX and that I only owed {$120.00}, however, I was required to pay {$250.00} to clear my account with IC System. I paid the overdue amount promptly, and on XX/XX/XXXX both derogatory marks were removed from my credit report on XX/XX/XXXX. I was refunded the overage amount of {$120.00} that IC System had charged me on XX/XX/XXXX. On XX/XX/XXXX, a new derogatory mark in the amount of {$110.00} was placed on my credit report by IC System. I called IC System but they could not explain why a new mark had been placed on my report and that I would have to take that up with the credit reporting agency. The credit reporting agency for all of this activity is XXXX.
12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MS 38671	Web
Over 2 years ago my identity was stolen. XXXX allowed someone to open a XXXX acct under my maiden name. I have not been that name in over 10 years. The account was opened in XXXXXXXX and I have lived in XXXX for over 10 years. No matter how many times I fax the documents that XXXX or whatever collection agency they turn it over too they do not fix it. Even though everytime I call XXXX and refax the documents they assure me everything is fixed and not to worry. I just went thru this in XXXX 2016 and I am going thru it again now as they have reported the XXXX act against my credit/SS # as a charge off which has totally messed up my credit. I call XXXX and nothing gets resolved. I call the credit collection and nothing gets fixed. I have faxed and refaxed the documents more times than I can count. What does a person have to do to get something resolved like this. I have more than proven it is fraud acct that I do n't owe and should not be responsible for. I have done everything I have been told to do and still nothing but a bad mark against me that I ca n't get anyone to fix!! PLEASE HELP ME!!! I have been calm, cried, screamed done everything!! EVERYTHING THEY HAVE ASKED YET NO ONE FIXES THIS AND IT IS DESTROYING MY CREDIT.
01/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89106	Web
I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw another debt reported by I C SYSTEM from XXXX XXXX in the amount of {$1200.00}. Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me verification and validation as well all documentation with my signature proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
10/19/2017	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 Was not notified of investigation status or results	NJ 079XX	Web
In XXXX of XXXX, I had a billing dispute with XXXX XXXX. As a result, XXXX XXXX stated I owed XXXX dollars. I disagreed and grieved the bill through XXXX XXXX. I never heard back from XXXX XXXX. Yesterday, XXXX/XXXX/XXXX I applied for a 30 year fixed mortgage. I wa advised that my credit that was over XXXX points last year was now XXXX. This adversely increased what my mortgage rate would have been if XXXX XXXX or the collection company had allowed me the opportunity to grieve or respolve the dispute. As a Result, I was forced to pay a bill in hopes the adverse bill could be reversed. This is extortion. I requested notification and records of the notifications of this outstanding bill that neither XXXX XXXX nor the collection company would nor could produce. I repeat, I was never notified that my credit was going to be adversely affected by XXXX XXXX nor the collection agency. After I paid a bill I was never notified about, the collection agency stated I would have to call XXXX XXXX to have this blemish removed from my credit, when I called XXXX XXXX, they stated I needed to call the collection agency. Someone needs to be accountable for this bully tactic. I am available for further comment or information if necessary.
09/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85705	Web	Servicemember
XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the XXXX to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
07/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 357XX	Web
Initially, I received notification on my consumer report under XXXX XXXX about XXXX, I wrote to them request a detailed debt validation request via certified mail dated XX/XX/23. I received a generic debt collection letter from I XXXX Systems Collections as a follow-up. I wrote again to I C System on XX/XX/23 and XX/XX/23 via certified mail and repeatedly received the same generic attempt to collect a debt, disregarding my request for specific documents for verification. That alone is a violation under FCRA. I wrote directly to the credit bureaus to request an investigation and it is simply being auto verified by just simply being on my credit report. I will provide copies of letters sent asking for a cease & desist until a proper investigation & render of documentation has been provided for this alleged debt. This reporting has damaged my credit report & caused a lot of losses for my family & I, by its presence on my profile. Please supply requested documents on the letter dated XX/XX/23 to validate this debt. Additionally, while this account is being investigated, I request a cease and desist of this reporting. Should this information not be available, I request immediate deletion from my credit report.
08/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30253	Web
Looked at my credit report today XXXX-2018 noticed a collection from I C System appeared, it states a debt from XXXX XXXX XXXX XXXX XXXX XXXX I spoke to someone previously about a week in a half ago because the letter was dated XXXX-2018 and it was delivered upon the time I called a week in a half ago, I told the rep the problem that apparently the company is sending mail to the address where the account was created and the mail was forwarded to the address I currently live, I stated I have no knowledge of the situation the representative stated the company would look into the situation further and put it in dispute status and validation would be sent, it was never stated upon the company after the conversation that within a week look for it to appear on your credit reports I called today spoke to Employee # XXXX name XXXX XXXX not sure if this is accurate but this is what he stated his name was and absolutely no help he pretty much was blunt about me paying and no validation was needed, not sure if this is the practice but it was absolutely not right to feel this way for something I have no knowledge about. All I ask the company is to remove the information from all my credit reports until the investigation is done.
03/25/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91504	Web
In response to Complaint # XXXX : If it is to be assumed that I.C. System was given consent to have my identifying information, then according to 15 USC 1692g, you were required by law to communicate with me before a report is furnished. If this is true, please provide the proper documentation such as a tracking number that shows correspondence was sent before furnishing commenced on XX/XX/XXXX. You admitted, " The account information IC System furnished to the credit reporting agencies was provided by the original creditor and has been verified by the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ", while omitting the credit reporting agencies used XXXX to verify information through I.C. System on those 6 different occasions. This admission is proof that I.C. System is committing aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. If I.C. System can not produce documentary evidence, such as a trilateral contract, of your claim that there is any legal obligation to pay you and if collection efforts continue I will file for litigation for actual damages caused and hold I.C. System criminally liable as well.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33615	Web
I had submitted a complaint against this collections creditor that is reporting on my credit reports. I had sent them a request for full validation and to date, they had not responded to me with the information that I am entitled to receive according to law. The Consumer Finance group just sent a reply to the complaint I made, which was XXXX. They just said this company would respond to the complaint directly by mail since they could not figure out who I was. I don't know what other information they would need. In the complaint, I submitted my information, my date of birth, last 4 of the social, which is way more than they have already. I also provided the registered mail / return receipt from the letter I had sent them to obtain validation of this debt. Their answer is generic and incomplete. The basis of the complaint is that they have not mailed me all of the items required by law. Why is the complaint closed. They not only have not provided any answers on the debt but did not answer the complaint. The reason for the CFPB is to protect the consumer, when a credit or finance company is not following the law. This complaint needs to remain open and this creditor needs to answer the initial complaint, which is XXXX
05/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43228	Web
I have a a unverified account XXXX. I had previously disputed this account with BAY AREA CREDIT SERVICE. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX purport I owe.This is a old account from XXXX XXXX XXXX ( bal. {$250.00} ) that has been sold at least four times to various Third Party collections agencies and the previous agencies could not validate the account and it was deleted form my XXXX credit report. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17050	Web
My identity was stolen, social security number, name, address and fraudulent line of credit through XXXX XXXX XXXX XXXX XXXX. 15 U.S. Code $ 1681c-2 a consumer reporting agency XXXX, XXXX, XXXX XXXX XXXX XXXX, 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 4 business days after the date of receipt. It has been 2722 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
02/09/2022	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 Problem with personal statement of dispute	MD 21042	Web	Older American
This complaint is related to complaints XXXX, XXXX, & XXXX, the last of which was filed yesterday. This involved a single alleged debt of {$110.00} which I have disputed with the company and which the company before today had reported to the credit agencies 4 separate times. In response to yesterday 's complaint, the creditor responded : " This account has been closed and returned to the original creditor. We will request deletion from the credit reporting agencies. '' However, I have just received notification from XXXX that the debt has been reported a fifth time today. Please see attachment. I'm pretty sure duplicate reporting of a single debt is illegal but now we are up to five times. This involves a disputed debt wherein XXXX charged me for a phone line that I never requested and never used. The contract that I signed with the company did not contain a phone line and the company 's records will show that no calls were ever made or received. Yet XXXX refuses to refund all overcharges because of the company 's " policy ''. In addition, the company is charging me for weeks of services that I never used after I cancelled my service and returned all equipment, contrary to the terms of the contract that I signed.
08/09/2023	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	OH 454XX	Web
I sent out a debt validation letter exercising my rights as a consumer under the FCRA ( Fair Credit Reporting Act Section 809 ) and " I.C. System, INC '' has NOT complied with Federal law and regulations. " I.C. System, INC '' failed to respond to my debt validation letter section 809. This is now a federal violation of the Fair Debt Collection Practices Act which I intend to sue for Defamation, wiling financial injury, and FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. I've attached proof that I sent " I.C. System, INC '' a Debt Validation Letter and that they've received my letter at approximately on XX/XX/XXXX at XXXX XXXX. The Fair Debt Collection Practices Act requires companies to respond within 30 days after receiving a dispute. I intend to sue for the maximum amount which is {$20000.00}. I am now located in Texas, and this is the maximum amount that a person can sue for in small claims court. I've been denied housing and jobs because of this collection account so I intend to sue if this account is not removed immediately from my XXXX major credit reports. I have all the proper documents to win in small claims court without a reasonable doubt should this account not be removed immediately.
07/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30253	Web
Response to your 3rd Party Letter of Treat by Mail. The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX From : XXXX XXXX XXXX, ESTATE c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : IC SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX XXXX Dear 3rd Party Collector, As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX XXXX XXXX XXXX '' for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of 1933. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien. Thank you for your time and have a nice day. Honorably yours, By : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78660	Web
XXXX is reporting a collection debt from I.C. SYSTEM, INC for about 3 months now. This collection comes from XXXX with an amount of {$990.00}. The contract with XXXX was canceled in the same day and returned all equipment in the store. I also received the refund in my bank account for the paid but not used equipment. I.C. SYSTEM, INC is reporting XXXX opened : XXXX Status Date : XX/XX/XXXX Balance Updated XXXX ( every month they're updating the balance ( they never contacted me at all yet ) Also this collection debt was sold from XXXX to XXXX XXXX XXXX, the account was disputed via XXXX XXXX and deleted on XX/XX/XXXX ( see attached documents ). After deletion, AFNI ( another credit company ) bought the account and started reporting on early XXXX. I reported it again and the account was deleted on XX/XX/XXXX ( see attached documents ) Now again the account was sold to I.C. SYSTEM that are using fake dates to lift the impact on my credit score. A few days after I.C. SYSTEM reported it for the first time, I reached via phone to dispute it again. Disputed more than 2 months ago. Since then, I'm trying to reach XXXX to follow up on the dispute and I can't get any person to talk with and nothing has been changed.
04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
I am writing this complaint because I was notified via mail of an XXXXXXXX XXXX account that has been placed into collection. This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. My parents have lived in the same house all my life and their address is not the one where the XXXX account was used. I have NEVER had any services with XXXX. As a matter of fact, back in XXXX I was a victim of identity theft and had to dispute a previous XXXX account that was opened using my identity. That dispute was successful. I have reached out to XXXX who is both the original and current creditor, but all attempts at having this account removed have been unsuccessful. I have also reached out to I.C. System Inc to dispute the ownership and inaccuracies of this account with no result. I have attempted to have this resolved many times since first being notified of its existence almost 3 years ago.
04/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60610	Web	Older American, Servicemember
I.C. System, Inc., as a debt collector for XXXX ( now apparently known as XXXX XXXX ) has renewed a bogus demand to extract {$140.00} from me without providing any evidence that I have ever had a contract or other business relationship with XXXX or evidence that the modem I hold in safekeeping is XXXX property. I was first contacted by I.C. System, Inc. about this bogus debt payment demand in XX/XX/2021 ; I timely and repeatedly responded by certified letters demanding evidence of a contract or other business relationship between XXXX and me or proof that the modem I have in safekeeping ( having been left in the apartment I had rented until XX/XX/2021 ) was XXXX ' property. No such evidence or proof was ever provided, nor was any attempt made to explain the absence of such evidence or proof. Nonetheless, I.C. System and XXXX have just renewed their harassment to extract money from me without evidence or proof I owe anything or have property that is owned by XXXX. Such efforts to collect bogus debt on false pretenses must be stopped. No consumer should be put to the expense in time and money to address such fraudulent efforts to extract money without evidence or proof that the consumer has any obligation.
04/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85051	Web
I have two accounts in collection for XXXX XXXX. I am unsure of how that happened because I do have an active account with XXXX. When I called and spoke to XXXX, they stated that one was from an address at my mothers house, which was paid in full but they say it was not, and we have proof. They said the other was from when I moved services, the representative said that instead of transferring the services, they cancelled the account and switched it to a new account and never forwarded me a bill for the previous property I had services at. Now I have two accounts with them in my collections on my credit report, but though some collection agency I have never heard of or spoken to. I have yet to receive documentation on the debt collectors part for those two separate collections they have on my accounts and credit report. One account in collection is not supposed to be there because it was paid for in full in person at a XXXX store, and the second one was at the fault of XXXX incorrectly transferring my services and instead canceling my account and opening a new one without my knowledge nor sending me a bill for the previous account. I have called XXXX and they are of no help and will not resolve the issue.
03/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 305XX	Web
I scheduled service on XX/XX/21 for internet to be connected at XXXX XXXX XXXX, XXXX XXXX On multiple phone calls I stated that we must have a static IP address and was assured we would have one. My wife works from home so prior to moving we also called in to confirm the appointment and once again request a static IP as she would not be able to work without one. On XX/XX/21 the technician came out and did the install and when she asked him to write down the static IP down for her, he told her that there wasnt one. XXXX had sent out a Residential technician and not a business technician. I have spoke with them multiple times because this was an error on their part. We established on every phone call with XXXX that we would require a static IP address. They are trying to collect the residential setup fee but it it not our fault they made an error. My wife repeatedly made me double check that we would have static IP. I called and was assured that this was a mistake that the account was set up incorrectly and the residential account would be canceled nothing to worry about. They sent a technician out to provide the static IP address on XX/XX/21. My wife missed 2 full days of work due to a mistake by XXXX.
01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Servicemember
It was proven to XXXX XXXX XXXX XXXX ( XXXX ) that the debt they are trying to collect belonged to my deceased grandmothers home at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX They constantly called me even after I asked them not to because I had muy own account with them in good standing but they didn't stop. My grandmother passed away and because I was simply authorized on her account because she had XXXX, they threatened me that if I wouldn't pay they would put this on my credit. I told them that was illegal and now my credit had dropped over 40 points because of this. They hired a collections agency who was given all of the information they needed to not do what they did. I am filing a complaint both against XXXX collection department and IC Systems because BOTH are responsible and engaged in illegal activity. When collection agencies or departments receive proof they are not suppose to just ignore it and cause hardship and suffering to people. The CFPB should also be using these complaints to investigate, especially because XXXX XXXX XXXX is operating a collections department and violating Fair Debt Policies.. I couldn't find their name as a company that we could file a complaint against.
07/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35404	Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
07/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35405	Web	Servicemember
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
i recently noticed on my credit report a debt collection. This collection is for {$78.00} and was added to my credit report on XX/XX/2018 from IC System. A collection company I have never heard of. This reporting is inaccurate and laws have been broken. Now we all know that collection companies buy debt and do such illegally. Also, we know collection companies will call, harass and threaten consumers to get money they paid another company for your debt. Also, even though a collection company buys debt, the consumer can still pay a debt to the original company. However, this company that added this supposed debt did not follow the law. According to law, you must first contact the consumer and make them aware of any debt to that is owed and be sure a debt is even owed, then you must send something in writing and give the consumer time to agree and make arrangements. Furthermore, this company failed all aspects. I know nothing on this debt, was never contacted by any means and I have not signed any legal document in regards to this company. I have contacted my local postal carrier and it shows nothing from this company. Now I have contacted my local attorney general office and family attorney on this matter.
01/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29410	Web
Between XX/XX/XXXXandXX/XX/XXXX I.C System inc placed a collection on my account originating from XXXX XXXX XXXX that is said to be opened XXXX of XXXX. This information is inaccurate and the debt for {$770.00} is not owed to me. I have already disputed this collection from XXXX XXXX on my XXXX acct and had it removed showing as credence resource management in XXXX of XXXX. It seems as though my information is being sold and sold again. I have already stated the information is inaccurate, not validated and is not owed to me when speaking with them on numerous calls a day even weekends. I am asking this account be removed not only because it is inaccurate and not owed to me but I am in the process of buying my first place as I am a single mother of XXXX living in a house of XXXX. I had my credit in line with no phone bills as required and they slap this account that I am unaware of onto my credit hindering me from moving forward with this process. I am pleading for a resolution to my problem with this company. I take two steps forward and they hit me with something else. Although the accounts are unfamiliar to me it is still an Excruciating process to have your name and credit cleared of false information.
10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DE 19901	Web
I have a collection from this agency and another on my credit report, The agency i would be addressing today is I C SYSTEMS Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. XXXX Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is XXXX of the XXXX agencies holding me back due to a debt that is in fact not mine XXXX XXXX XXXX XXXX. I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX XXXX XXXX ), to even sign a XXXX.
05/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75006	Web
A sprint account in my name was submitted to IC Systems for collection. IC System contacted me and I initially made a payment agreement XXXX to avoid credit bureau reporting. Upon further investigation, IC System continuously tacked on charges each month with zero explanation. My principal balance would increase by $ XXXX {$40.00} each month after I made a {$100.00} payment. I disputed this balance with IC System due to their misleading representation of the actual debt amount, ( Fair Debt Collection Practices Act, Section 807, False and Misleading Representations ) and also the misleading information representatives at IC System would provide me with. Rep 's for IC would tell me to contact XXXX, while XXXX would tell me to contact IC System, and when I requested a detailed final bill of all my charges, IC System requested XXXX send me records of my phone calls for all XXXX lines on my account instead of charges breakdown like I asked. XXXX nor IC System returned my request for validation of the debt, and instead, referred it to a third party collection agency. Every action taken by IC System was in violation of the Fair Debt Collection Practices Act, Section 807, False and Misleading Representations.
04/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89178	Web
In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.
09/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93263	Web
On XX/XX/XXXX I mailed a dispute to IC Systems and to the credit bureaus regarding a fraudulent account on my credit report. ON XX/XX/XXXX I noticed they verified the information and proceeded to call IC Systems to get to the bottom of this situation. I was informed, based on a search of my social security number, that there was an account sent to collections from XXXX XXXX ( AKA XXXX ) for a service address of XXXX XXXX XXXX XXXX in XXXX, CA that was opened in XX/XX/XXXX. I advised them this was not me, as I purchased my home in XXXX in XXXX and had no reason to open up any service in a different city. They advised me to contact XXXX and to " resolve it with them '' meanwhile they will remain on my credit report until XXXX advises them to remove it. This is completely abusive and unacceptable. ESPECIALLY because XXXX can not locate any account using my name, social, date of birth or address. This limits my ability to start a fraud investigation with XXXX as advised my IC Systems since they can not locate an account to initiate an investigation on. What am I supposed to do other than go round and round in circles wasting my time?? This item needs to be removed from my credit report ASAPPPPPP
12/04/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 891XX	Web
A former employer has stated I owe him money. However, according to my records I have paid this debt in full and in fact am owed money by this employer due to an overpayment. I requested a verification of debt and proof this money was still owed after my payments and my former employer provided only a copy of an invoice that he typed- no backup, no proof. I however provided a XXXX Page document showing that I do not owe this money and that is has been paid in full and that he owes me money. This is a civil matter between my former employer and myself. Only a court of law can determine if I owe him money or he owes me, not some third party collection company. Furthermore, a copy of a invoice with no backup is not a valid proof of debt - anyone can type an invoice. This collection co is also reporting to my credit as rental/leasing debt which will hamper my ability to rent a property. I do not owe a debt stemming from any sort of unpaid rents. My prior company is a XXXX. I do not owe any sort of rent to them which is what they are categorizing it as. I have called this company and mailed them a letter stating I dispute this debt. Their response is that the invoice copy is a valid proof of debt!!!
10/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20912	Web
The short version : IC Systems attempted to collect a debt for a service that I never received and was never invoiced for. I paid the sum anyways to avoid blemishing my credit. Nevertheless, IC Systems continues to report it as delinquent to credit agencies. The long version : My son used to attend an aftercare program operated by XXXX XXXX in XXXX. His last day in the program was XX/XX/XXXX. We received the final invoice on XX/XX/XXXX and paid it in full on XX/XX/XXXX. We did not hear anything further about our account until XX/XX/XXXX when a XXXX employee emailed us to say that we had an unpaid balance of {$66.00} for the week of XX/XX/XXXX. We immediately called that employee and asked her to send us an invoice. She failed to do so. After consulting our calendars, we determined that our son had not attended XXXX for the week in question. We considered the matter settled until sometime in XXXX when I received a letter from the collection agency, IC Systems, demanding the {$66.00} that we didnt owe. I went ahead and paid the sum to avoid blemishing my credit. The payment was processed by XXXX on XX/XX/XXXX. However, IC Systems continues to report the amount as delinquent to credit agencies.
01/20/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46112	Web	Servicemember
I had internet through XXXX in XXXX, XXXX. In XXXX of XXXX I called and requested that my account be closed. I was informed of the amount owed and instructions for me to return my equipment. I paid my last bill in XX/XX/XXXX and returned the equipment which was a router. In XXXX of XXXX, after no communication, there was a collections placed on my credit report in the amount of {$290.00} in XX/XX/XXXX and a creditor called me. I didn't receive a letter 30 days prior as I had recently moved. I told them I was disputing the account because I returned the equipment in XX/XX/XXXX. They told to call XXXX to dispute it. I did and they opened a ticket to look for the equipment and review notes on the account. I disputed with XXXX and the amount was changed to {$300.00}. XXXX searched for the equipment and found it. They emailed me and called me letting me know but then stated I still owed a bill. They then changed the balance owed to {$98.00} on my credit report in XX/XX/XXXX. I have disputed again ; then in XX/XX/XXXX the balance changed to {$84.00}. How is it possible for this collection agency to report XXXX erroneous amounts to my credit report? The equipment was found and my last bill was paid.
03/10/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76053	Web
XX/XX/2022 after 17 years with XXXX decided to look for cheaper cell phone service. Saw XXXX advertised person over XXXX got a discount and also got a discount for auto pay. After talking to a XXXX representative in person saying I would not get the discounts and it would cost more than XXXX which I had for 17 years I decided to go to another phone carrier that was cheaper. My wife and I both decided to have our cell phone numbers ported over again after 24 hours. I made numerous attempted phone calls to XXXX to dispute the matter but they ignored my request. Also at the time my social security number was not given to XXXX. Now they have turned it over to collections and some how XXXX got my social security number. Since XX/XX/2022 XXXX is not advertising cell phone service for 1/2 of what they were XX/XX/2022. The information they gave me at the time was very misleading and their cell service also not working very well in my house. I do not have other means of telephone communication and need a cell phone to work inside my house. I have also received letter from collection debt collector that I have an attorney which is false and misleading. I request assistance in this matter. Thanks!
09/21/2022	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	OH 43015	Web	Servicemember
On XX/XX/XXXX I opened a letter from IC systems telling me I needed to pay XXXX dollars for a debt owed to XXXX internet. I was completely unaware of this debt, and upon confirming with XXXX I paid that debt with them that same day on that same phone call. I was then informed a letter would be sent to IC systems that the debt had been paid. On XX/XX/XXXX XXXX received notice I had negative activity on my XXXX and XXXX credit reports, it was an open collections from IC system 's for a debt I had paid. I immediately disputed with XXXX and they have removed both the open balance and the collections notice from my credit report, XXXX is stating after my dispute that their information is accurate and I have an open collections debt. When I called XXXX on XX/XX/XXXX asking if they had sent the letter to IC systems telling them the debt had been paid they told me it had not yet been sent, but it would get to them within 60 days. My credit has been immaculate, I've never missed a payment, am in good standing with all of my creditors and don't believe XXXX got this right. I am potentially moving states for a new job and this negative impact on my credit will greatly affect my life.
04/05/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Trouble with how payments are being handled	CA 93726	Web	Servicemember
In XXXX I started school for XXXX XXXX XXXX I received a XXXX XXXX for this tuition the Pell Grant specifically stated what the itemized issues with the money was going to be used for this included tuition materials student transportation also the student for food and rent and most definitely to pay the school after 3 months of being in school working on a laptop I never received one penny from this grant my understanding was they were going to buy me a laptop pin paper materials books rulers things that I needed to continue in school I never received anything I had to buy my own laptop with my own money after 3 months of this they sent me a bill in the mail saying I own {$600.00} for tuition I contacted the federal government and they stated that they were paying the grant was on its way I didn't have any more money to continue buying materials that I needed for class so I dropped up under the understanding is that the school did not provide what they said they were going to provide for me in order to continue being schooled that is my dispute so I'm not paying them back no matter what I didn't receive nothing and I still have to pay their money no the grant was for me not for them
05/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
On XX/XX/XXXX, I got an alert from my XXXX account stating that a new collection was on my account from IC Systems in the amount of XXXX. I never received a call or letter from them stating that I had this debt. I remember earlier in the year showing a collection account on my credit from XXXX totaling the same amount. I notified them and was given information regarding the debt, and I told them that wasn't mine debt, because the service address was one I never lived at. The rep told me at that time that I need to submit an identity theft packet to XXXX who was the one reporting the debt. I completed the packet and even got it notarized, and submitted all the information to XXXX. The debt was deleted from credit report. However, now the same account is being reported through another collection agency. I've reached out to them and made them aware that this debt is fraud, and that I submitted the necessary paperwork to XXXX to remove this debt. This morning I received another alert saying that IC Systems flagged the my credit report again. Collections Agency : IC Systems Debt company : XXXX Account Number : XXXX Date account was opened : XX/XX/2012 Collections Reference number : XXXX
08/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 923XX	Web	Servicemember
I moved and could not receive XXXX-internet service in my new address. I continued with the XXXX XXXX service and discontinued my services with the Internet. However, XXXX-internet services were not canceled and they continued charging it on my XXXX account. I was not aware of these charges until I was reviewing my account. They charged me for approximately 8 months at {$60.00} a month and on top of that also charged my interest and late fees. I have spoken to their representative who continues to tell me that XXXX reimburse me ( false ) and that I had to pay them {$470.00}. This is extremely unfair and unjust, I do not owe them anything and in fact, they awe me for charging me fee for no service. As they continue to state that I owe them money, I was and am still up to date on my XXXX XXXX bill, ( of which was combined with internet service ). In short, I am owed {$480.00} plus all the late fees and misc charges to my account. The representative admitted they owed me money, but that is when they hang up on me. I have called several times and have put on hold and transferred around. This is frustrating, I am attaching my last statement from XXXX XXXX XXXX for account number XXXX
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Web
As of XXXX XXXX XXXX collection company I C Systems reported an alleged debt to my consumer report without my written consent 15 U.S. Code $ 1681c-2 a consumer reporting agency 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protectedERs consumer. NO CONSENT IS IDENTITY THEFT. As a cons men am demanding the deletion of the accounts listed IMMEDIATELY!
09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 782XX	Web
Upon moving from Oklahoma, I canceled my cable service with XXXX XXXX and returned the equipment to their local store location. I paid the final bill in full and all was to have been finished with the cable provider, XXXX XXXX. To my surprise, I receive a bill in the mail from the cable company saying I owe them for an unpaid balance on the account. After many phone calls it was settled as an oversight of payments due to XXXX files being created for my cable account. The amount was actually a credit of {$93.00} and was refunded to me in a check. However, XXXX XXXX sold the balance as a debt leading to issues with a collection company XXXX XXXX XXXX for a debt of {$93.00} from XXXX XXXX. After filing proof of the credit and pay off of the balance with CFPB that debt was to have been removed from both the debt collectors system on XX/XX/2015 at XXXX as well as XXXX XXXX XXXX. Recently, I received a collection notice in the mail from a new debt collector IC Systems trying to claim the same debt for XXXX XXXX in the amount of {$93.00} when there is no actual debt to collect. Enclosed is a copy of the refunded check from XXXX XXXX and a Copy of the Notice of Collection from IC Systems.
01/21/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MD 21804	Web
As of XXXX I have been disputing multiple violations on my credit report dutle to i.c. systems. First have not ever received any correspondence or notification regarding the debt in order to dispute the debt. Second, I have not given ANY EXPLICIT PERMISSION, to XXXX XXXX XXXX XXXX XXXX to sell my personal informations which is a complete violation of my HIPPA RIGHTS. THIRD, I HAVE SENT a debt validation request, involving my identification and my social security number, on the document certified mail. Asking to breakdown fees including collection cost and medical charges, a COPY of my signature with the provider of the service to release my medical information to I c systems, and to cease any credit reporting until it has been validated. Which has not happened they have recently reported XX/XX/XXXX I believe. They have denied my request to validate my debt and still have yet to delete the debt from my credit report yet again violating FCDPA AND FCRBA. THEY CLAIM THAT ARE UNABLE TO RESPOND TO THE IDENTITY. BUT I HAVE PROVIDED ALL INFORMATION REQUIRED BY LAW. It is obvious that to me that they are not willing to follow the laws stated above. I am requesting assistance and redress.
05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 83401	Web
IC Systems is reporting debts on my credit file that are not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If IC Systems is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
03/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37379	Web
I have been contacted by IC Systems for XXXX XXXX over an old phone bill that was originally {$810.00}. They kept bugging me in spite of the fact that I told them I can not work due to an injury and so in XX/XX/2022, I agreed to pay {$5.00} per month until my sister could help me pay it off. They sent an agreement to me in the form of a PDF file locked with a password to my email agreeing that, " an I.C. System employee, who documented your offer to settle the balance of {$810.00} owed to XXXX XXXX for the reduced amount of {$120.00}. '' I have paid the $ XXXX each month on time via auto pay from my bank. My sister called today to settle up the remainder of the bill and they decided to argue that I now owe the entire {$810.00} again. This is ridiculous and obviously an attempt to go back on the agreed amount, which I have documented proof of in the PDF file. Today is XX/XX/2022 and I would like this matter to be settled at the agreed amount of {$120.00} as my document states, and for this company to stop trying to swindle me out of more money. Thank you for your time. I will attach the PDF, but you can not open it without the password, which I will be happy to give in private.
05/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web
Company or Organization : XXXX XXXX {$950.00} I.C. System, Inc {$140.00} Company or Organization : XXXX XXXX hospital {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXX The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year. Multi-million-dollar fines can be and have been issued.XX/XX/XXXX all hippa and FTC violations
11/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29803	Web
I C System is collecting on a XXXX account in the amount of {$1700.00}. I noticed this on my credit report and I hadn't receive a notice. I called the collection agency on XXXX spoke with the first rep XXXX employee # XXXX XXXX was requesting a validation of the debt since it was in collection. He stated that he couldn't provide validation of debt he could only provide a verbal authorization, the second rep I spoke with XXXX employee # XXXX and she pretty much said the same thing. I then sent 3 letters certified. The first on XX/XX/2022 asking for validation of debt and another on XX/XX/2022. The last one was on XX/XX/2022. Attached is the information from the debt collector which is uploaded. The collection agency did not follow the XXXX notice of debt validation on the letter sent from them on XX/XX/2022. Please review. clear for me to understand ; I was also told to print the information off on their website which I provided a copy of. The name they have is XXXX XXXX it supposed to be XXXX XXXX XXXX That was another issue that isn't followed on the cfpb guidelines and there was not an itemization of a letter sent to me from the company per the model that wasn't followed
08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11412	Web
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ny XXXX XXXX Fraud Victim Assistance Department XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX [ RE : Your Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. AEP AND CREDIT INQUIRIES resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 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 and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX
08/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32803	Web
just started building, and monitoring my credit a few years ago. I noticed that there was a {$340.00} amount listed under derogatory remarks. This was listed as XXXX, for the company XXXX. I tried several times to dispute through XXXX XXXX. Results came back that monies were owed. One of My issues is that I never received a phone call, or bill in the mail about this at all, ever. I have no idea when this debt was from. The other issue is that this was listed on my credit with XXXX, for XXXX, then was dropped off of my credit on XX/XX/20, then this debt was re-added on XX/XX/20 under another debt collection company called IC Systems, for the company XXXX. I believe that this may be something from many years ago, but I don`t really know. Also, how is it possible, or legal for this to be removed from my credit for approximately a month, with one debt collection company, under XXXX, then re-added to my credit by another company, under current business name, XXXX, same debt? I currently have, and have had XXXX services for many years, and never received any notification of any monies owed. I believe this original so called debt of mine is way too old to be on my credit at all.
03/14/2023	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	TX 752XX	Web
Please note that I am the author of this complaint and all attachments. The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. The furnishers are in violation of 15 USC 1681s-2b ( 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. After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
07/18/2020	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	MI 490XX	Web	Servicemember
I have sent three letters to each credit bureau disputing a new collection on my credit report. I have even included a previous settlement letter and they still continue to report the collection from XX/XX/2020, IC systems. This account was settled by the first collection agency who settled the account for less than full balance, credence resource management. The original creditor was XXXX XXXX XXXX. IC system is the second collections agency. I have tried calling XXXX, XXXX, and IC systems ... their lack of communication has kept this inaccurate information on my credit report. I have just disputed a third time on this account through the credit bureau. I have also sent the proper documents of settlement to IC systems showing the account number for XXXX XXXX XXXX as settled. They clearly can not read account numbers! The bureaus have done the same, they have deliberately overlooked the paper I have sent in with each dispute. I also am working with the Michigan attorney general in this matter! Is it illegal to collect on a debt twice, once the first collection agency settled on a specified amount? How did IC systems get this info to try to charge me the difference?
07/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70127	Web
This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. This is a violation of the Gramm Leech Bliley Act whom protects consumers from misuse of personal information and sharing practices to companies without opt out notices in which I have NEVER received. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. This is a federal crime and is punishable up to 10 years in prison and {$10000.00} fine or more. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification ; & failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
04/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30043	Web	Servicemember
I have been harassed by a collection company about a bill I am not aware of with XXXX. I have never had an account with XXXX. Back in XX/XX/XXXX a fraudulent charge from XXXX XXXX on my bank account was refunded to me by the bank. Then a few month later ( in XXXX ), I started seeing a collection on my credit report. When I contacted the collection agency named XXXX XXXX XXXX XXXXXXXX ( back in XXXX ), they wouldn't listen to me and just want me to pay. When I contacted XXXX they told me to either file a complaint or deal with the collection agency as they have no knowledge of the charge and didn't have any information about the account. I filed a complaint in XXXX and thought it was resolved. Then in XX/XX/XXXX, it's another collection company that reported the same amount on my credit report. I tried to call that new collection agency again to know more about the collection, but they too didn't want to hear anything but get paid. The reports from both collection agencies have hurt my credit score very bad. I have no knowledge of this account as I never had a XXXX account in my life ; therefore, I never owed them anything. I want this collection out of my credit report.
03/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30067	Web
XXXX XXXX gave my name to a collection agency for an account with which I have no association. They claimed the balance was {$790.00} and due on XX/XX/XXXX. I disputed the account sometime in late XXXX or XXXX ( I am not sure of the dates ). I finally heard from XXXX XXXX in XXXX of XXXX. They claimed that they could not investigate since I did not have an account number. I stated that I did not have an account number because I had no knowledge of the account prior to debt collectors contacting me and that I did not keep the account number. I was contacted again today ( XX/XX/XXXX ) by I.C. System Inc. XXXX XXXX gave them the account number. Obviously, XXXX XXXX had access to it when I spoke with XXXX XXXX on the phone. I believe that they know the account in fraudulent. I further believe that they fabricate these accounts and knowingly have debt collectors attempt to collect fake accounts. I believe this because it would have been trivially easy for them to verify that I did not live in Mississippi where they claim the account was opened during XXXX. I request that the CFPB open a criminal investigation into XXXX XXXX 's conduct and the conduct of I.C. System, Inc.
04/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92027	Web
Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised XX/XX/2018 Fair Credit Reporting Act. Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), 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.
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 761XX	Web	Servicemember
IC Systems Collections is reporting a collection on my consumer report and violating my federally protected consumer rights. IC Systems Collections has an account that says it is closed as of XX/XX/2021 but has failed to provided me with any " documentary evidence '' to validate their claim pursuant to 15 USC 1692g. IC Systems Collections refuses to tell me who the original creditor and give the me the name and address of the original creditor pursuant to 15 USC 1692g. I, XXXX XXXX, the natural person/Consumer have never had no account with IC Systems Collections anytime in 2021 or prior/after an they refuse to show evidence that their claims are true of any alleged debt. their reporting is causing an " adverse action '' pursuant to 15 USC 1681a ( K ) ( 1 ) and damaging me financially and mentally. Also IC Systems Collections is on my consumer report as an " attorney '' knowing that attorneys can not collect debts from natural person/Consumers. IC Systems Collections is criminally liable pursuant to 15 USC 1611 and Civilly liable pursuant to 15 USC 1640 and now owe me civil damages for their misrepresentation and false reporting and handling of my personal information.
05/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75094	Web
On XX/XX/XXXX I received a credit alert that that my score dropped 34 points due to two collection accounts reported by IC Systems. After further research, I concluded IC Systems is reporting a MEDICAL DEBT from XXXX XXXX XXXX XXXX XXXX that was sold to them on XX/XX/XXXX. IC Systems has violated the 180-day ( six month ) wait period before a medical bill can be reported to credit bureaus. I believe that is a shady fraudulent reporting tactic on behalf of IC Systems to not label it as a medical collection but a collection/charge-off. The medical collection was {$1400.00} in which IC Systems is illegally reporting two separate balancing of {$1400.00} and {$73.00} which show two collection accounts. To make matters worst the country is coming off lockdown for more than 45 days due to COVID-19 and IC Systems reports two collections prematurely that has impacted my credit scores. That makes me ask did the state of Minnesota deem IC Systems " essential workers '' during this global Pandemic. I have yet to receive correspondence by mail from IC Systems pre COVID-19, during or after. IC Systems is a shady collection agency. Account # XXXX {$1400.00} Account # XXXX {$73.00}
02/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 352XX	Web
I discovered that XXXX XXXX/XXXX XXXX XXXX of the amount of {$1000.00} has re-aged/ changed the original date of the debt. It was started in XX/XX/XXXX and now on all credit reports XX/XX/XXXXstart dates : TransUnion XX/XX/XXXX, update XX/XX/XXXX ; XXXX XXXX ; XXXX open : XX/XX/XXXX, update XXXX. This debt has exchanged into so many hands that I don't know who actual has it. I receive calls on my cell phone and no words are spoken just hangs up or if it goes to voice mail its a machine or they say my name then hangs up. I had calls on Sundays and after XXXX XXXX CST. This is make my report look bad and who can trust if you pay one company and at the same time another collection company demanding money and states its my problem with them ... XXXX XXXX themselves are hard to get a straight answer or direction for the original bill which was really {$240.00} but they stated I broken contacted and charges for the broken contract. On XX/XX/XXXX we has a devastating tornado ripped through my area causing catastrophic damage, no power, nor water. I just moved in my house so I this caused a financial downfall trying to recoop, especially the lost of food and water resources.
01/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33026	Web
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
11/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 62301	Web
I have been called at least three times a day for over a month. The caller usually hangs up. or transfers me to a machine that says to hang on for a representative who has 'important ' information for me. At this point someone demands that I verify my name. I then ask them who they are and what they want. Twice they 've hung up at that point. Once the caller said " I 've already told you who I am. Answer my question '. at which point I hang up. I have called one of their numbers and told them to stop calling. They continue to call anyway. On XX/XX/2016 I finally received a letter from them. It says I owe {$53.00}. But does not state whom the creditor is ; what it 's for ; or when this debt was supposedly incurred. It continues on to say they are 'scheduled ' to report it to the National Credit Agencys if this is not paid in an unspecified period of time. I have perfect credit. I do not believe this is my debt. In the unlikely chance that it is mine. It is beyond the statute of limitations. Regardless, they are harassing me on a daily basis and I want it stopped. Please note : i have already filed complaints against them with the FCC for harassing phone calls.
06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31313	Web	Servicemember
A new collections account was placed on my credit this month by I.C. System, INC., which I had no knowledge of this account. The original collections agency account had a comment on my credit report saying it was from XXXX XXXX XXXX XXXX and a comment stating that was apart of a natural disaster. I have never been effected by or apart of a natural disaster. I have attempted to dispute this dispute this twice. It remains updated as correct. I contacted the collection account and requested proof of this debt. They say this was a medical bill in my daughters name from 2017. I explained that my daughter had 2 different insurance companies that wouldve taken care of any remaining medical bills. They send me on a goose chase to try to contact the original creditors or the insurance companies. Im attaching photos to show she had a secondary insurance of XXXX that wouldve taken the remainder or any medical bill. XXXX should not be coming to me after 4 years. Ive never received a single bill from them nor any statement for anything. This is fraudulent. I will also show the pictures of them claiming this was something with a natural disaster which is also a fraudulent claim.
11/28/2020	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	TX 77573	Web
I have sent IC Systems and XXXX requests about this collection being reported to see if this is even an actual true debt I owe, neither XXXX nor IC Systems have sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XXXX has removed this account from my report because they were not able to substantiate this account, so I am curious how XXXX is able to? Additionally, XXXX is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown XXXX their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.
07/08/2020	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	TX 77346	Web	Servicemember
I am reaching out about the below listed account. Kindly be advised, I am disputed the matter of the IC System account as the account is not my account. I C SYSTEM Last reported XX/XX/XXXX {$280.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs., 3 mos. ) Account status Open Original creditor name11 XXXX XXXX Once more, I am requesting the source of the payments made to the account be investigated as someone other than myself maintained the account for some time. From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. I have disputed these accounts previously. I am disputing these accounts again and will continue to do so until the matter has been resolved. Respectfully, XXXX XXXX XXXX
09/06/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91361	Web
Hello, I was put as the primary account holder on the bill for our XXXX & XXXX in XXXX of 2020. At the time, it was the height of the pandemic, and I was very low on funds. So were my housemates, who were also contributors towards the XXXX XXXX XXXX bill for our home. As a result, we were unable to pay our XXXX XXXX XXXX bill for the duration of our stay. I did make some payments, however, and did my best to stay on top of it. Sadly the bill continued to increase despite my best efforts, which were limited greatly by the pandemic. I am contacting the bureau with this complaint as more of an appeal to XXXX XXXX XXXX to consider any other possible means of collecting payment for the debt owed, perhaps through a pandemic relief package, or of that nature, that would resolve this debt and remove it from my credit report. The debt is by far the largest I owe, and is preventing me greatly from achieving my financial goals at this time, years later. It would be deeply appreciated if there was a way to resolve this debt with XXXX XXXX XXXX and XXXX and with I C System Collections. I will do whatever is suggested to achieve this end, and any information is appreciated.
03/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK XXXXX	Web	Servicemember
Recieved letter on XXXX from I.C. Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX # XXXX https : //www.icsystem.com/consumer Letter claims they are a debt collection co.pany attempting to collect debt from XXXX XXXX for a past due amount of {$1100.00} plus fees {$110.00} for total of {$1200.00}. It references acct # XXXX and I.C. System reference No. XXXX It states to call or write to them or dispute electronically to their website by XX/XX/23. ***WE HAVE NEVER USED XXXX XXXX THEREFORE I IMMEDIATELY ASSUMED THIS WAS A SCAM AND LOOKED UP XXXX XXXX CUSTOMER SERVICE TO ENSURE THIS ACCOUNT NUMBER BEING REFERENCED WAS NOT AN ISSUE OF POSSIBLE IDENTITY THEFT. XXXX VERIFIED THIS ACCOUNT DID NOT EXIST & THAT THERE WAS NO REFERENCE OF MY PERSONAL INFORMATION ASSOCIATED WITH ANY ACCOUNT. THEY INFORMED ME THIS WAS A SCAM & TO DISREGARD THIS LETTER & REPORT IT. Based on XXXX customer service response and knowing we have never utilized XXXX services & have no debt, I did not want to attempt dialing or using the contact Information and web links for this alleged collection agency. I felt more secure by rather opting to report to the FTC which directed me to the CFPB directly.
08/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35405	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
07/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 71118	Web
in XX/XX/XXXX I purchased a puppy and took him to XXXX XXXX XXXX during the visit I was asked if I wanted to purchase puppy insurance which was {$35.00} per month, I was only able to use it once because the vet stopped working for XXXX in XXXX or XX/XX/XXXX at both locations in my area. In XX/XX/XXXX I had to get rid of the puppy due to unforeseen circumstances and was still being charged. I received a call in XXXX from one of the XXXX reps requesting payment where I informed him that I no longer had the puppy, he stated that I was still responsible for the insurance even if I did n't have the dog at that time it was only {$150.00}. XXXX XXXX XXXX and IC systems are reporting on my credit reports that I owe them {$630.00} dollars as of XX/XX/XXXX . How did the payment go from {$150.00} at the time that it was reported that the puppy was no longer in my possession to {$630.00}. If you calculate the amount of payments by 12 months it does n't come out to what they are trying to collect. They should not be allowed to continue to charge people for services they CAN NOT provide, or try to over charge for services that are no longer needed.
12/29/2020	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	WI 53224	Web
In XXXX XXXX and XX/XX/2020 I have submitted disputes with the XXXX credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. XXXX refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.
02/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85048	Web	Servicemember
In XXXX I canceled my services with XXXX when I moved to New Jersey and returned all my equipment. I never received a final bill with a balance. Fast forward to the present date I received a letter from I.C Systems INC claiming owed a total amount of {$840.00}. I contacted I.c Systems on XX/XX/XXXX to get better clarification on the matter. I first person I spoke to was rude and she hangup on me so I called back again because I when to resolve this is and the guy that answered also hang up on me when I was trying to ask for a bill breakdown. So I Called XXXX to see if I can get the final bill that was never sent to me I spoke with a guy on the XXXX XXXX department and he told me My final balance was {$410.00} including XXXX return payment fees and XXXX last fee, he also said he was emailing me a final bill break down when was never received. So on XX/XX/XXXX, I call cox again asking for my bill breakdown, and the guy to spoke with stated that the guy from XXXX I spoke with on XX/XX/XXXX should haven't told me he was going to email me my final bill and also told me that that balance of {$840.00} was including a fee I.c added after they bought the debt from XXXX.
11/16/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	OH 45013	Web
On XXXX XXXX XXXX I filed a complaint against I.C. System, Inc. for making a report on my credit file about an alleged debt without sending me ANYTHING regarding the debt. I made it clear in the report that the alleged debt being on my credit report was not the only thing I was disputing, but the debt in its entirety. In the response to the complaint, I.C. System submit ted a letter they allegedly sent to an address that was never mine. They also claimed to have sent me a text message I never received. On XXXX XXXX XXXX, I received a letter from I.C. System, Inc., dated XX/XX/, saying that they investigated my dispute and were unable to verify the information. They further stated in paragraph 2 of the letter that, " Our attempts to verify this debt as due and owing will continue ... '' They are using the date of the complaint to CFPB as written notice of a request for validation per FDCPA, which was on XXXX XXXX XXXX It is now, XX/XX/. This is more than 30 days. ONLY 30 days are alloted by the FDCPA to verify a debt, or permanently cease ALL collection activities. These people are violating FDCPA by continuing to verify the alleged debt beyond the 30 days.
06/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33141	Web
You are in direct violation of several sections of 15 USC 1681. Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ). Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( 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 written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately. Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. I demand that you remove the following accounts : I C System ( XXXX XXXX XXXX Opened : XX/XX/2020 2020
02/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30281	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C. SYSTEM INC. for committing identity theft. I have never given I.C. SYSTEM INC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. System Inc. continues its collection efforts, I will file for litigation for actual damages caused and I.C. System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Certified Mail # XXXX XXXX XXXX XXXX XXXX
02/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web	Servicemember
In XXXX, a storm brought a tree down on my home landline, so I decided to go with XXXX XXXX XXXX for my home phone service. I called to set up the service, but no one came out to connect the landline. The service was never established, but I received a bill in the mail. I called XXXX XXXX XXXX to cancel the service. The representative said that there would be no charge, but every year I receive a collection letter from a different agency attempting to collect money for services that were never established. I have spent several hours on the phone trying to get someone from XXXX XXXX XXXX to address these charges. There is no evidence of phone service at my home, nor any calls or data records for phone service. Every time I dispute the charges, they go to another collection agency. This has been going on for years. Now XXXX XXXX XXXX is telling me that the bill is too old for them to review the details. Account # XXXX. A charge for {$97.00} in now on my credit report. I disputed the charges with IC System and received a letter that stated that it was a legitimate claim, but no one at XXXX XXXX XXXX can provide me with any information regarding these charges.
02/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI 490XX	Web
I made a purchase on XXXX. Before making the purchase I contacted XXXX and I asked clarifying questions about the item I was purchasing. I won the auction on XX/XX/XXXX and I receive the items I was expecting. paying the listed price of {$39.00} dollars. I received the item in a reasonable amount of time. I was contacted by XXXX XXXX on XX/XX/XXXX, telling me that they shipped me the wrong item and that I need to ship it back or they were gong to charge my credit card for {$300.00} dollars. I felt like I received the correct item, and I no longer own the item to ship back. I offered multiple mutually beneficial options for us to resolve this issue. They were not interested in a resolution that was reasonable. They turned an amount of {$250.00} dollars over to IC Systems, a collection agency out of XXXX XXXX, MN. I feel like this is a ridiculous situation and an abuse of the debt collection process. I never agree to pay more than the listed amount in the XXXX auction. What is keeping XXXX from continuing to do this to other people. This feels like a textbook bait and switch some how. I just want to know what my rights and obligations are in this situation.
12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 441XX	Web
XX/XX/XXXX I received a collection notice from I.C. Systems, Inc. trying to collect a debt from XXXX. The letter was in my name but sent to an address I have never been to or lived at, then crossed out & forwarded to where I do live. I tried to contact them to resolve this & got no where. I have since received more letters, the latest XX/XX/2016. I called I.C. Systems on XX/XX/XXXX AGAIN, spoke to XXXX. She informed me I needed to call XXXX, which I did. I spoke to XXXX at XXXX, he looked up the account & verified that neither my ID, social security nor my address matched what they had & felt that I.C. Systems is sending this to the incorrect party. He instructed me to call I.C. Systems back & relay this info & tell them they need to stop contacting me since they are not doing their job correctly and if not I should file a complaint against them. Approx. XXXX., I called I.C. Systems back & spoke to XXXX. He was very adamant about not wanting to hear my explanation & said it was out of their hands, that XXXX was handling it. I told him that was false, I just got off the phone with them & would like them to stop sending these & he preceded to hang up on me.
11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97302	Web
This is a new collection account ( see attached ) that popped up when my mortgage lender was finalizing documents for my home purchase. My father and I share the same name ( Jr/Sr ). Both of us have spent countless hours on the phone with both IC Systems and XXXX XXXX XXXX attempting to get this resolved. Both places just point the finger at the other. This is NOT my debt. It is possibly my father 's, but IC Systems has been unable or unwilling to provide documentation of what this account is linked to. I have disputed this with XXXX and all 3 credit bureaus. I have filed complaints with both XXXX and the Department of Justice. I do not have 30 days to wait for this dispute to get resolved via the normal pathway. In May, I started the process of having a home constructed. That home is now done and it is supposed to close in 10 days. This collection account has TANKED my credit score and I am no longer eligible for the mortgage loan. We are talking tens of THOUSANDS of dollars of loss because of a fraudulent/erroneous account. IC Systems is aware this is not my debt, but refuses to remove the collection or actually attribute it to the correct person.
10/03/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	MO 63111	Web	Older American, Servicemember
XX/XX/2022 went into the XXXX XXXX store XXXX XXXX to ck the new Phones. The rep gave me a sample internet unit for free. I took it home to see what its XXXX XXXX the XXXX i mentioned I have internet with XXXX XXXX XXXX and pay {$10.00} qualified Military Vetrans Disaibility pension igot it home to see if it was better than my current internet, iIt did not work at all so i took it back to the XXXX store The agent that gave me the unit was not there and another salesman would not accept the return item. I called thier home office as instructed. To ask why they refused the return item. she asked me to take a label to XXXX XXXX. When i called XXXX XXXX they wanted {$20.00} pkg fee. in the mean time i had ti go to XXXX XXXX with XXXX and XXXX issues. When i got better i sent the item to XXXX in Texas. I never used the item I have internet with XXXX XXXX XXXX exclusive with the complex. I got around to ship the thing to them uos now they want to bill me $ XXXX it is not fair. I did not get a bill and consider this a scam they can tell that i never used the unit .. and i had to go across town to ups instead of the store that gave me the item as a gift.
08/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78634	Web
IC Systems is attempting to collect on a debt not owed by me. They did not validate or verify this debt as belonging to me nor were they given permission by me to access my personal information. When I spoke with them they verified my current address in which I did not give them and stated that it was given to them by XXXX XXXX XXXX. This reporting of this alleged account has caused me a great deal of stress and I want it deleted immediately because not only do I not owe it. This is a CLEAR VIOLATION of the PRIVACY ACT since no written consent was ever granted. 15 USC 1681 ( b ) -No consent was given by me to IC Systems so reporting this alleged account violates my right to privacy, no consent was given by me for IC system to access any of my personal information and 15 USC 1692 ( g ) - IC systems failed to properly validate this alleged debt before placing on my credit 15 USC 1692 ( i ) -IC systems has no jurisdiction to collect on this alleged debt 15 USC 1692 ( k ) -IC Systems has a civil liability that equates to {$1000.00} per violation. If not deleted I will seek damages per violation as it relates to civil liability in addition to lawyer fees.
05/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33133	Web
I submitted this complaint back on XX/XX/2018 complaint # XXXX Which was a follow up complaint. XXXX wrote back that they fixed the debt and released it from collections. They have done this twice. The account was transferred to the FTC and upon calling today is an additional dispute case open XXXX. Back in XX/XX/2018, After a lengthy numerous phone calls, XXXX promised that I would not have to pay a termination fee as we discussed with the representative since I was in a car accident and wanted to cancel service. That termination fee keeps popping up as a debt owed. It is not. They have relieved and resubmitted this debt many times, its frustrating. The last we spoke I cancelled out the account at XXXX. Now I have frivolous charges and predatory collection companies placing derogatory remarks on my credit, a violation of the fair credit reporting act. IC Systems has never had a contract with me and Is reporting the debt as owed, when XXXX relieved it long ago. IC systems is in violation of the fair credit reporting act and also has no fair way of communication when I call in. Predatory company seeking financial gain from innocent consumers.
08/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92126	Web
I.C. SYSTEM has been contacting me against my will with no prior written consent. This is an aggressive and illegal debt collection/ tactics. I do not have contract with ic system or any of its affiliates. I have granted ic system to validate proof I owe any debt which they have not and can not. I have sent all communication to ic system with USPS certified mail and green slip return and they have not refuted or rebutted my affidavit, and cease and desist and billing invoice for the Federal laws they violated against me as a consumer. I have put ic system on notice on XX/XX/2021 and XX/XX/2021 with affidavit, cease and Desist and billing invoice and evidence of violations. I gave ic system 30days upon receipt to rebut the documents. Then I sent a notice to XXXX with 10 extra day to cure the violations. I have been damaged, I feel threatened from this debt collector. I have acted in good faith with ic system notifying that I will pay any debt that can be validated but ic system has continually failed to validate or show proof of any debt or contract. I will continue to enforce my federally protected rights until I get what I want from this situation.
06/05/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60615	Web
I established a payment arrangement in XX/XX/XXXX for bi-weekly payments of XXXX. I NEVER missed a payment or was late. I received a phone call last month ( XX/XX/XXXX ) from I.C. System, Inc. ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that my payment arrangement had ended and my final payment of {$27.00} was taken out on XX/XX/XXXX and I had a remaining balance of {$150.00}. Not sure who authorized the increased payment either because I did not. -- - I asked the guy to be put back on the payment arrangement I had in place because my financial situation had not changed. He told me that my ONLY option was breaking it up into two equal payments ( which would be 3x my normal payment amount ). I told him that was not feasible - he then THREATENED to put this on my credit if I did not take the offer he gave me. I then informed him that it is illegal to threaten someones credit and that I could not increase my payment. I then went on their website and made a payment on XX/XX/XXXX for XXXX. Today I received a call from I.C. stating that this had now been reported on my credit ( after I was threatened ) - even though I still have not missed a payment.
01/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH XXXXX	Web
In late XX/XX/XXXX i signed up for XXXX 's offer of one year free service. Prior to the end of that year of free service ( XX/XX/XXXX ), i ended my service with XXXX and switched to a different carrier. However, XXXX erroneously charged me for one month of service in the amount of {$120.00}. In XX/XX/XXXX i disputed this charge by sending XXXX a letter to their disputes department using the address published on XXXX 's website. XXXX failed to respond. According to credit law, they had 30 days to respond to my dispute but failed to do so. They have now hired a collection agency called IC System to collect this fraudulent debt. I consider these tactics harassment. I have attached the following documents in a ZiP file : ( 1 ) XXXX 's 1 year free service offer ( Free offer details ) ( 2 ) My letter of dispute ( Dispute letter ), ( 3 ) Confirmation that i closed my XXXX service account ( Account closed ), ( 4 ) XXXX 's email invoice from XX/XX/XXXX showing XXXX disregarded my letter ( XXXX - Your XXXX bill is now available online_illegal harassment ), ( 5 ) email from collection agency IC System ( XXXX - Important Personal Message from I.C. System ).
12/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 477XX	Web	Older American, Servicemember
Was approached by a XXXX salesman at XXXX, Told himI just purchased a home and didnt know when I would even be moving into home. He said that wasnt a problem, I can set up your account and they will send you the equipment and you wont be billed untill you have equipment set up and you make a call to activate the equipment, They mailed the equipment to my address and also billed me immediately. I called and cancelled the account and turned in the equipment, equipment was never opened, Also have the receipt for equipment returned. I asked store clerk if I owed anything because I had the XXXX bill with me and he said that bill was just a pending bill if I didnt return the equipment. Told me there was no charge. I would have paid this bill immediately if I owed it. My XXXX was XXXX when this collection started and I have always paid my bills to get my score this high. Because of this debt collection that I do not owe, my XXXX score has dropped to XXXX, which I am very mad about. This is either XXXX policy to have salesmen lie to get accounts or salesman lied to get account. They started this debt collection without ever asking my side of the story.
01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21228	Web
Hello CFPB employee, On XXXX XXXX, 2016 I sent a request for validation to XXXX. System regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to I.C.System XXXX XXXX, 2016 I sent a XXXX request for validation and again time went on and still nothing received to me from I.C. System. I.C. System has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for I.C.System to follow the laws they 're governed by. I 'm requesting that I.C.System to remove the collection debt ( I.C.System, Account # XXXX ) Balance {$310.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with I.C.System has been made. ( Resolutions request ) I think a fair resolution to my issue would be for I.C.System to remove the debt from my credit reports as they were not able to validate the debt they claim I owe. Thank you CFPB In advance XXXX XXXX
08/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 19131	Web
XXXX charged me for streaming on a device they said would be comparable to Clears device for internet. I called sprint to continue service for internet when XXXX went out of business. The person said they would send me a device comparable to the device that XXXX had. I was also referred to XXXX after XXXX went out of business. They told me that this device would be the same as XXXX device. They even told me they would charge then same as XXXX. After a few months of being charged {$60.00} a month the device I was using said I was streaming or what ever and said I used the device for something else and changed me XXXX one month. I told them on the date I got the bill I had not used it any other way than as internet and it was supposed to be used for said amount of XXXX. I told them I could not pay more than {$60.00} and they said I had ran up the bill for that month of {$300.00}. They said they would not change and I stopped using the device. I switch to XXXX because a XXXX employee said the device was not the same as XXXX. They in turn have me as owing them as ridiculous amount of {$300.00}. They even have me being called by said collection agency.
01/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 330XX	Web
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. ( I C SYSTEM ( XXXX XXXX XXXX ) ***** Opened date : XX/XX/2021 Balance {$1100.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt.
09/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
On or around XX/XX/2021 I was informed that my information was at risk of a data breach and or black web. When checking the accuracy of my credit file. I noticed that there were in fact wrong and unauthorized information reporting on my XXXX XXXX and XXXX. I did report to the Bureau along with the reporting agency which was I.C systems Inc. With the original creditor XXXX XXXX XXXX XXXX After opening up an ongoing investigation with the XXXX county sheriff 's office . I sent over the incident report number, along with a notarized fraud affidavit informing them that I had indeed been a victim of identity theft. I sent over a copy of my social security card, identification card, and proof of my current address I've lived in the last 3 years. I faxed, emailed, and sent a certified letter to the above mentioned agency and have yet to hear back from the agency in whom are still reporting fraudulently to the Credit Bureau. I'm asking to have this creditor remove and delete this account immediately for fraud and identity theft in that this is not my debt nor have I had or have knowledge about entering into any commitment of debt or payment of any kind.
08/02/2021	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	MD 20852	Web
Shortly after my XXXX were born in XX/XX/2018, I took them to XXXX XXXX for a pediatrician appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. The claim was apparently sold the receivable to IC Systems, who reported 2 claims for {$450.00} to XXXX ( there was only ever 1 claim ). I disputed these claims with XXXX and they were removed. Once removed from XXXX, IC Systems then reported 2 claims for {$450.00} ( again only ever 1 claim ) to XXXX. I disputed the claims with XXXX XXXX has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided
02/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55105	Web
I was contacted by I.C. System, INC. about a medical debt from XXXX XXXX. On XX/XX/XXXX I went on their website and payed the entire balance listed, Which was {$600.00} by ECheck. Listed at the bottom of the confirmation page was the following statement " Once your payment is successfully processed, your account owing to XXXX XXXX will be listed in our records with {$0.00} balance ''. That amount was taken from my bank account on XX/XX/XXXX. This debt was paid off in full yet I am still receiving settlement letters. I received a settlement letter on XX/XX/XXXX and again on XX/XX/XXXX. Both letters list the balance as {$2600.00}. I am not sure why I am continuously being sent letters that claim I owe a large amount of money even though I have paid this debt. I have attached : the confirmation page on the I.C. System website that shows my payment in full, my bank statement showing I.C. System withdrawing {$600.00}, and both settlement letters I received in the mail. I assumed that the settlement letter I received four months later was a mistake so I did nothing about it. But now having received another one, I know that they are trying to scam me.
04/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33319	Web
I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. The original application for this account with my signature. A copy of the agreement authorizing your company to collected on their behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Please show proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. Thank you for your cooperation, XXXX XXXX
01/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20705	Web
All 3 credit bureaus have a debt listed under my name for a cable bill from XXXX services for a house in North Carolina. I live in Maryland, and I have never lived in North Carolina. Also, the name on the bill is not my correct name. This bill was sold to a collection agency called I C SYSTEM for the amount of {$530.00}. Their contact info is : IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. I have called them and disputed the claim and they refused to remove the debt from my credit report. I have disputed this information with XXXX and the debit was not removed from any of the XXXX credit reports other than notes saying : Account information disputed by consumer, meets FCRA requirements. How do you dispute a bill that does not belong to you when the period in time the bill was accrued you did not live in the state in which it was accrued, never lived their. Lived in MD for over 25 years. Never owned property outside of Maryland. Also XXXX does not operate in Maryland ... Seeking help taking this false debt collection reporting off from my XXXX credit reports. This is gross abuse of my civil rights
07/27/2023	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	TX 75154	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to IC SYSTEM INC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2023. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then that is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
09/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27520	Web
A collection agency named IC Systems is reporting that I have a {$570.00} debt with XXXX on my credit report. When I found out about this, I contacted XXXX immediately. The informed me that a large portion of that debt was for unreturned equipment. I made arrangements to return the equipment, and did so. Once the return of the equipment was registered, the rep at XXXX told me that I still had a remaining balance of {$190.00}. I tried to pay XXXX directly, but they told me that I had to resolve the remaining {$190.00} with IC Systems. I have been in contact with IC Systems directly, but they are still trying to collect the full {$570.00} balance. I have explained to them about the revised balance, due to the return of the equipment, but they refuse to acknowledge the adjusted amount. I've even given IC Systems contact information to the people I dealt with at XXXX, but they refuse to follow-up and confirm the changes. I have no problem accepting responsibility for any balance I have, but I refuse to pay a collection agency {$300.00} more than I actually owe, and its illegal for IC Systems to continue to ask for more than the actual debt is.
04/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 776XX	Web
Hi, I am currently working on my credit report. At first I noticed system 's collecting for XXXX XXXX XXXX on my report. I was not aware of any such account. I asked for more information and disputed the account. It was not investigated. Decided to research the only account I've had with XXXX XXXX XXXX and soon realized it was an old XXXX from XX/XX/XXXX. That account was closed was to be cutoffXX/XX/XXXX when I purchased my new home. We bought a XXXX. They were suppose to send boxes for Equipment before we moved but NEVER did. I spoke to them several times. I recall this very well. We brought equipment to our new home, XXXX was sending boxes AGAIN. This time, they were sent to old Addr. I wasted more time tracking boxes only to find them wet outside old rental property. I asked them where to drop equipment? I was instructed to drop off in XXXX, Tx, That is what did. They apologized, said : " I would be issued credits. '' PAID {$95.00} and closed this account. I DO NOT OWE this debt and it is marked " D '' on my credit report. I am a single mom working very hard to be a good example. Please look into this. Thank you for all your time. SB
08/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85295	Web
I was contacted in XX/XX/XXXX by mail from I.C Systems Inc. regarding an outstanding balance of {$200.00} dollars. I called them to get more information about this debt, but all they would share was the account debtor was XXXX XXXX with a balance of {$200.00}. I immediately disputed this debt and requested a itemized statement from them detailing why this amount was owed. I also informed that I requested XXXX XXXX to have this account to be closed almost 5 years ago, and up until now, this account was closed by me in good standing. The person I spoke with was not able to access this information, but ensured me that she would send it as soon as possible. I Never heard back from them, until I received and alert from XXXX XXXX that this account was reported on my credit report as of XX/XX/XXXX. This company has no records of why this amount exists and failed to follow up with the information I requested to establish why this account even exist after 5 years of service. Then, recklessly reported this to the credit bureau in XX/XX/XXXX, as a result, damaging my credit score, as if this account new as if I failed to currently keep my commitment.
12/02/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78520	Web	Older American
I noticed a new entry of a Collection account on my Credit Report ( CR ) via the XXXX online platform on XX/XX/XXXX. The new entry was from I.C. System Inc. collection amount = {$900.00}. I contacted this company on 2 occasions, however, they seem unwilling to delete it from my Credit Report. This is the problem, it appears that someone used my personal name and ss number to acquire an account with XXXX in the XXXX, Texas area. They apparently ran up a bill for {$900.00}. and then disappeared. Interestingly, I have an account with XXXX since they were XXXX XXXX back in XXXX. As of today, my account with Spectrum is in good standing. Please note, The erroneous address is XXXX XXXX XXXX XXXX, TX. XXXX Please note, I have never lived there or have ever visited XXXX, Texas in all of my life. Therefore, it is plain as the nose on a face that this I. C. SYSTEM INC claim is fraudulent. They claim to have my correct name and social security number, but the account is fraudulent as I do not owe the original creditor, XXXX XXXX any monies. Indeed, I have maintained a XXXX XXXX with XXXX for the past 15 years, and said account is in good standing.
04/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90602	Web
On XX/XX/2019, I was sent to collection by XXXX for a debt of {$59.00} to IC Systems for an outstanding phone bill charge. I told them I paid my last phone bill on XX/XX/XXXX to XXXX after leaving the company and I returned my lease device XX/XX/XXXX via XXXX so I didnt owe anything. They placed me on hold and called XXXX directly. They came back and told me it was for a early termination fee, but I told the female rep that my contract doesnt say I would owe a early termination fee, I would just have to pay the phone off in full which I did plus my last bill which was due XX/XX/XXXX. She placed me on another hold and told me it wasnt a late fee but another phone bill. She told me we could settle for {$47.00} that day, so I paid the amount. I kept reiterating to the female rep that the charges were false, but I paid because I didnt want the false reporting to go to all 3 credit bureaus. XXXX recently reimbursed me {$160.00} for the trouble they caused me. I spoke with XXXX XXXX from the Executive and Regulatory Services department of XXXX who granted the reimbursement after receiving my complaint from my states attorney generals office.
03/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 539XX	Web
On Tuesday, XX/XX/2020, I received a phone call from XXXX at XXXX. Caller identified herself as being from a Collections Agency and that the call would be recorded. She asked for my husband or myself by name. I stated my name and asked where she was calling from. She said she was calling from IC Systems regarding a debt from XXXX XXXX. She told me that I had a past due balance from a previous address from 4.5 years ago. I was skeptical, as all services were paid and terminated when we moved to our current address. She was willing to send a letter in the mail if I updated my mailing address. I gave her current address and then asked for more detail about the past due bill. She gave me an amount due and an account number to reference. I told her I would need to contact the utility company at a later time. At XXXX on the same day, I called XXXX XXXX to speak with someone about the past due amount. The agent searched for my name, my husband 's name, the previous address, both of our phone numbers, and by Social Security number and was unable to find any amount that was sent to collections. She suggested that the call was a possible scam.
07/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35209	Web
I was notify by the I.C. System of a debt that I do not owe with XXXX. The account that they are talking about is XXXX ( XXXX ) and they have it under account number XXXX and the reference number is XXXX. The problem is that order was cancel back on XX/XX/XXXX. I have call XXXX and spoke to a XXXX, XXXX and no one can seem to find it. I do not owe them anything because it was cancel. I live in an apartment complex and satellites are not allow and I have my lease to proved. So it was never set up and I never got any equipments. I do not owe anything and XXXX said they do not see anything concern this account nor my phone number. Could this be a scam. Usually it takes 90 days before a company would put thing in collection department. If this order date was made and cancel on XX/XX/XXXX and and I am getting a collection notice from I.C. System on XX/XX/XXXX and XXXX has it only collection department that I find out this morning. and they do not know anything about this. I concern this may be a scam and I do not owe anything because it was never setup and I have not sign anything and my landlord does not allow satellite at the apartment.
09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35401	Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
04/26/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
This debt collector is not bonded in the state of Texas and by law, they can not attempt to collect a debt. I have already tried to dispute this, the debt company and credit bureau will not comply. Section 392.101 of the Texas Finance Code prohi bits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. {$470.00 } 2 accounts reported on XXXX XXXX XXXX This agency did not report an open account to this bureau. Open Account # 1 { $93.00} Balance Original Creditor XXXX XXXX XXXX XXXX {$93.00} Opened Date XXXX XXXX XXXX Last Reported Individual Account. Responsibility Consumer disputes this account information Medical Remarks Note Open Account # 2 {$ 380.00} Balance XXXX XXXX XXXX XXXX Original Creditor {$380.00} High Balance XXXX XXXX XXXX Opened Date XXXX XXXX XXXX Last Reported Individual Account. Responsibility Consum er disputes this account information Medical Remarks Note
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80010	Web
An individual with the same name " XXXX XXXX '' who lives in Florida opened an account with XXXX XXXX in Florida. That account was not paid and went to a collection agency, I.C. System, Inc., who then filed a collection for that account under my name and social security number even though it did not belong to me. It is now showing on my credit report. When I called I.C. System to complain and have this removed they could not find an account with my social security number or address but they refused to remove the collection from my credit even though they had no proof it belonged to me. They then had me call XXXX XXXX and XXXX could not find an account under my social security number or address, either. Even though they had no proof whatsoever that I was the XXXX XXXX on the account they refused to remove the account from my credit report and informed me that I had to file a police report concerning the incident. I told them that it was not identity theft but that hey just had another client with the same name and they needed to fix their records and they did not care. I have filed the police report and am now filing with the CFPB.
11/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93711	Web
on or around XX/XX/22 I received a letter from I.C. System INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regrading a claim that I owed a debt for a XXXX XXXX account XXXX The letter clearly states that " how can you dispute the dispute the debt? '' call or write! so I called before XX/XX/22 a spoke with a rep ( did not get her name ). I gave her all my information and was told there was a {$650.00} debt from some address in XXXX I told I never leaved or been to XXXX I have never even had XXXX I have no knowledge of this debt and I want to dispute it in its entirety. she said okay. Today they have attacked my credit by reporting it to collection trying to cause financial harm, XXXXXXXX stress, and false character XXXX. This is not my debt there is nothing that links me to this account and on the letter they sent me my name is even spelled wrong and name I've used. I spoke with them today and was very upset, because this is a waste of time, money and resources. I will look into legal action because this is not right, but I want to place them on notice with some kind government regulatory to help stop them from doing this to other.
05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20019	Web
I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and I.C. systems, I'm enforcing my rights and demanding they CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ) 3 ) I as a consumer have the right to PRIVACY and I.C. systems violated 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT. I the Consumer/Beneficiary demand account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section. Reference # XXXX
01/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78414	Web	Servicemember
I have contacted IC Systems Several times regarding a negative item on my credit. I have asked for proper validation if debt. Im aware they purchased the debt from XXXX. However, this is a false debt from XX/XX/XXXX-XX/XX/XXXX. I returned all equipment to XXXX and owe nothing. I have since been a member of XXXX which was done through a credit check. I owe nothing to XXXX and {$3000.00} would be extremely excessive even if i owed a bill for phones. Since they have not supplied me with proper verification of debt in a timely matter they need to remove negative information until they supply me with validation. How long has IC systems had this debt? When did they purchase the debt? I have received nothing from ic systems. Remove debt!! This is not my debt. If they have my signature on this debt I request proof. I have been a victim of Identity theft and my information was obtained through several different entities including the government hack in which my information was leaked and I was contacted by the office of personal management and given Free identity protection for years. I was also a victim from XXXX Glitch and XXXX breach.
03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28269	Web
I C System has a collection on my credit from XXXX XXXX ( original creditor ) in the amount of {$730.00}. This account was confirmed to me on XX/XX/XXXX by XXXX XXXX as a closed account as of XX/XX/XXXX. IC Systems is reporting the account to all credit bureaus as open with a delinquent date of XX/XX/XXXX which I C System stated to me was the date they were hired by XXXX XXXX. I have disputed the status and delinquency date on credit Karma with I C systems 4 times and they have repeatly informed both the status and delinquency date they have reported is correct. I reached out to I C Systems directly on XX/XX/XXXX and informed them of the false information they keep reporting on my credit reports. I also informed them according to FCRA the date of delinquency has to be the date given to them by the original creditor. They informed me that the Credit Bureaus are not updating my information. That they are reporting the account closed and the delinquency date as XX/XX/XXXX which I know is lies. I C Systems refuses to report my information accurately to the credit bureaus and refuse to update their reporting of my credit information.
04/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33020	Web
On XX/XX/XXXX I reached out to the company I C Systems to Request a cease and desist On attempted collection of debt from XXXX because it is past statute of limitations for the state of Florida. Florida Statues State that the statue of limitation on store debt is 4 years - FL STATUTE 95.11.3 ( k ). Torte law calculates that the limitation is computed from the last date of activity on the account not the collections date. The account was from XXXX last date of activity was XXXX. After expressing my request for a cease and desist based on law I was placed on hold for more than 15 minutes. Eventually they returned and told me that they would not stop attempted collection and that if I wanted to put the debt on a payment plan I could. I informed them that they are violating Florida law by attempting to do that and was told that they do not practice law and that if they were violating the Florida statutes they wouldnt be trying to collect the debt. I have attempted to resolve this issue with XXXX directly however they have been acquired by XXXX and I was informed that I therefore have to dispute the debt with the collections company.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32829	Web
There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 316XX	Web
I have contacted all 3 credit bureau by certified mail two times with letters explaining all the information that is incorrect or that needs updating. I also requested verification of all accounts reporting debt. I also disputed online. I have sent certified letters directly to the collection agencies concerning inaccurate information and debt verification. I included with all a copy of a bill my drivers license and ss card. XXXX - XXXX NO RESPONSE AT ALL IC SYSTEMS - XXXX THEY HAVE SENT ME CLAIM OF PROOF OF DEBT. THIS IS NOT IN COMPLIANCE WITH 15 U.S.C. 1692 ( a ) ( 1 ) - ( 5 ) UNDER THE NEW REGULATION F I did not receive verification with in 5 days of either attempt to the Reporting agencies on XXXX. XXXX, XXXX or XX/XX/XXXX & XXXX, XXXX. Or verification by the collection company with In 5 days of reciept on XX/XX/2022. It. does not include any information about consumer rights to disputes and even clearly states that it does not state any of those laws. No information about the CFPB, or consumer financial product or service. Information on how to dispute a debt electronically or the date the validation period expires.
01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WA 98837	Web
IC Systems changed the original date of delinquency on an account that has been removed from my credit report for a long time. They showed a very short time frame and moved the date to XX/XX/XXXX as the origin and XX/XX/XXXX as the close. Due to the short period, I strongly feel that this was done knowingly and purposefully. I have never been contacted by this company, and the only reason I was aware that they had performed the illegal action was due to an alert to a change on my credit report. I have started the dispute process with XXXX, but do not feel as a consumer that I should have to wait 30 days for a response to this illegal action by the collection company. This illegal action has made a considerable reduction to my credit score and limited my ability to use what I have worked for. As re-aging is clearly stated as an illegal practice, I would like for further action to be taken against IC Systems for their purposeful deceptive tactics. I will file this complaint as well as pursue other avenues to correct my report and ensure that IC Systems idoes not attempt to use fraudulent tactics in my reports in the future.
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89502	Web	Servicemember
I called XXXX to set up a payment plan after finding out that XXXX would only be giving me a credit with their account and not sending me the money to pay off my XXXX account ( I was told the promotion I was supposed to get with XXXX was not authorized and that's why it took a few months ). XXXX agreed and said as long as I paid it, I wouldn't be sent to collections. I'm a XXXX veteran and single mom and had just moved so I didn't have much money. I paid XXXX in XXXX, {$300.00} XX/XX/XXXX and XXXX XX/XX/XXXX. They then reported me to the credit bureaus and my credit dropped over 80 points. I tried calling them repeatedly and they just kept saying they couldn't help me and I needed to call IC systems ( the collection agency ). I then filed disputes with the credit bureaus and filed with the XXXX. Yesterday I received an email from XXXX with executive corporate offices of XXXX. He said my debt was valid and that I needed to call IC systems. I responded to him with proof and to the case worker with XXXX because she also sent me his response. This is illegal, and inaccurate. I do not owe them anything and this has been paid.
04/10/2020	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	TX 75134	Web
A collection item keeps appearing on my credit report. I dispute and receive a letter that it will be removed then it is placed back on my report by a different company and re-aged as a new debt. I have contacted the collection agency and was told that the account will never go away and that every time I dispute it with them, they will re-age the account. The amount is for {$450.00}. The account is showing as a new debt on my credit report as of XX/XX/XXXX. Per the collection agency, the debt is from XXXX. This is a FCRA violation : Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. An account from XXXX did not just become delinquent in XXXX after being passed from several collection agencies.
08/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 061XX	Web
On XX/XX/XXXX, I received a letter from IC systems stating that they are collecting money from me, on behalf of XXXX. I do not owe IC SYSTEMS any money. I do not know who they are, and I Have never had XXXX as a phone carrier. I have had the same cell phone company, which is XXXX wireless for over 10 years. I have also had the same cell phone number for over 10 years. There is no way I owe XXXX any money. I sent a letter to IC Systems asking them to provide me with validation of the debt they are claiming I owe. I received a letter from XXXX XXXX stating they have no record of my account and I need to send them more information. I will not send them any of my personal information. They initially claimed that i owe XXXX. This is a scamming company trying to steal my information, and I immediately request for them not to report anything negative to the credit bureaus. They have not provided me with validation, and they are attempting defamation of my credit character. This company needs to completely remove me from their system. I dont owe them or XXXX any money!! I want to cease collection on this false debt immediately!
06/19/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 716XX	Web
Got letter today from IC System stating I owe XXXX XXXX {$700.00}. I have never had an account with them. If you go back through your files you will see I have filed a complaint about this going back to XXXX. This is the 3rd or 4th debt collection agency that this has been shuffled off to. Each time dispute this I win. I have spoken to XXXX about this in XX/XX/XXXX speaking to them to send me a copy of a signed contract and copy of my ID proving this. I have the email if you need them proving I spoke to XXXX XXXX. I have proof I lived at XXXX XXXX. XXXX and you can find me under the bankruptcy website showing you the XXXX XXXX address I lived at and there is a news article in the XXXX XXXX XXXX where my apartment was burned. I made the front page. I had an XXXX satellite at that time of the fire. If this was my debt all I would have had to do is file it under my bankruptcy I filed after my apartment building burned. XXXX never bothered me again until today well the new collection company this debt has been sold to rather. So I am reaching out to your agency again. This is not my debt, please help me out again. Thanks
06/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78006	Web
Having some issues with XXXX retail store. Rep/store manager was named XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX United States XX/XX/2021 I went to check coverage for my home to switch from XXXX. The store manager XXXX promised they would have better service and that I could bring my own device and get a {$450.00} credit with no contract but had to pay a {$120.00} connection fee. Also confirmed that I could cancel once the credit was used which she confirmed. Around XXXX I did just that but a month later I got a bill from XXXX for {$550.00}. Contested and XXXX pointed me back to the store, store pointed me back to XXXX and now they've sent me to a collection agency. Confirmed the agency wouldn't ding my credit store and they said they wouldn't as " XXXX run their own credit score '' and surprise surprise they dinged it last month. Talked to the regional manager for Texas XXXX ( XXXX? ) today and he's now trying to say they aren't at fault. Told him I need a letter head stating what his store manager sold/told me to work through it with the collection agency. Also posting this on XXXX reviews
12/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32746	Web	Servicemember
Att has been trying to exhort me for money I dont owe them. I have told them that, and provided them proof that if and when an account was opened up there I wasnt living in the property, however my x-wife resided at the property after we split, and then she rented it, before we got divorced and sold it, they have been trying to collect {$390.00} or sometimes XXXX, and other amounts, from me and I called them about this and they said they would get it corrected and removed, but the harassment and assault to my credit by four different collections agencies since XXXX has not ceased and I'm tired each time I have had to spend countless hours and time and resources to have it removed from my credit report and it needs to stop. XXXX XXXX XXXX. XXXX XXXX XXXX, some other company, and now XX/XX/XXXX, I.C. System Inc. This has got to cease, this is illegal, for any all and all companies to just throw a charge on your report as many times as they want without honorable merits, I asked for my id or signatures of the contract, they never provided it, nothing but statements generated that I didnt own or make a bill for in my name.
08/21/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91791	Web
I canceled my internet service with XXXX on XX/XX/XXXX. I returned the equipment on XX/XX/XXXX in its XXXX office with a Receipt No. of XXXX. XXXX sent me to a collection agency, I.C.System, Inc. ( ICS ) under Reference No. XXXX, two years later. I never received any correspondence from XXXX prior to this collection letter about the fact that XXXX has not received the equipment from me. I called ICS today, XX/XX/XXXX, and told the representative I do not owe XXXX anything because I returned the equipment. She said that if I do not pay, that come XX/XX/XXXX, I will see a negative report on my credit history. She did not ask about any other information, or if I have any proof of returning the equipment. I then called XXXX and spoke to XXXX, XXXX ( XXXX 's supervisor ), and XXXX ( ID XXXX, XXXX 's supervisor ). All three of them said, the best they can do is send an email to see if they can find the equipment. They can not really contact the collection agency or stop the negative report on my credit history. I can just dispute the negative credit report from the three credit agencies once it shows on my history.
10/03/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WV 26501	Web
I had service with XXXX XXXX. XXXX of XXXX I closed my account with XXXX XXXX returned my devices. I called XXXX of XXXX to make sure the equipment was received and what balances I had left. I was informed that the equipment was received and I had a XXXX balance. I HEARD NOTHING FROM THIS COMPANY OR RECEIVED ANY BILLS AFTER THAT. It wasnt until XXXX of XXXX that I received a bill from a collection agency stating that I owed XXXX XXXX almost {$500.00} dollars. I explained to the collection agency I was unaware of any bill owed and wasnt informed by direct tv of any bill. They suggested that I call XXXX XXXX directly. I called XXXX XXXX and nothing was done I explained to them what happened and how I never received any bills from them regarding a balance and was told by the lady that I spoke too that there wasnt anything they could do because it was in collections. They couldnt even tell me if any bills or notices was sent out to me. I have lived in the same house with the same address for 5 years so I didnt miss any bills or notices. XXXX XXXX DIDNT EVEN GIVE ME AN ITEMIZED BILL ON WHY I OWE ALMOST {$500.00} DOLLARS.
06/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94597	Web
Hello there is a collection on my credit report that I have disputed several times and it will get deleted and then another collection agency would get it its not my account it is with XXXX XXXX I have XXXX XXXX services now. I called them on several occasions to get this account off they have no way of verifying this account is what I was told by XXXX XXXX. They dont even know where the account came from but its a different account then what I have now. They told me to dispute it with the collection agency because once its left their office I have to go through the collection agency so they can verify it with XXXX XXXX. I was told they have never tried to verify that account with them but they updated my credit report as verified. Called the collection agency several times to dispute this account and they told me they verified my social security number and my address. I asked them for a hard copy or a contract that I signed and they refused to provide it. They said they dont need to have it they verified it was my account by my address and social security number. So they refused to remove it and its not my account.
09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31904	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! XXXX
01/26/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10019	Web	Servicemember
XXXX XXXX IC System Inc -- I cancelled an account with XXXX and returned their equipment. They continued to bill me even though I did not receive service. I had been on autopay my entire time using their service. So had never been late with a payment. When I called them to notify them they had billed me for service I did not receive and equipment I had returned, they assured me it would be taken care of and removed from my account. XXXX XXXX confirmed they were removing the charges. Not only did they not remove the amount they said I owed, they sent it to collections. It has killed my excellent credit when I'm trying to get a mortgage. I have written to them every year and written to the credit reporting agencies. I have excellent credit, have never been late with a bill or payment and this has destroyed me. Do not believe anything the XXXX representatives tell you on the phone. They will tell you whatever you want to hear so you dont cancel your service. But they will not fix it or back you up when they make an error. My nearly perfect credit score of XXXX did not include any negative items, and 0 late payments.
10/25/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63118	Web
XXXX XXXX XXXX XXXX made a billing error on my account. I've contacted them numerous times to fix this account, to no avail. In total, I've spent 10+ hours on the phone with company to get the billing error corrected and each time promised that it would be resolved. The alleged amount of {$51.00} ( which is an error ), is now on my credit report. The company that is reporting the amount on my credit report is IC system. I have disputed the amount electronically with IC System in XXXX and XXXX of XXXX via XXXX XXXX dispute process and the amount is still showing on my credit report. As a result, my credit score has now dropped by XXXX points which is impacting my access to credit and how I conduct business and my personal affairs. In addition, this has caused undue unnecessary physical and emotional distress. The dates that I contacted XXXX XXXX XXXX and was promised resolution of this account are as follows : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was also sent an email on XX/XX/XXXX by XXXX XXXX XXXX XXXX escalations acknowledging that the billing amount submitted to collections was incorrect.
05/16/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70122	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C.System for committing identity theft. I have never given I.C.System any permission to use my identifying to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Im demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. System can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and I.C.System continues its collection efforts. file for litigation for actual damages caused and I.C.System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are requested and required. Account # : - XXXX - XXXX
08/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33406	Web
On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by I.C. Systems Collection by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, I.C. Systems Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AR 72703	Web
We switched from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX internet a little over a year ago. We did that based on the promise that all of our past debts would be written off and we wo n't have to worry about it. We believed them until I started getting calls from some agency claiming that the debt was still owed to XXXX XXXX XXXX. We believed them when they said we owed nothing, but we took care of it with XXXX XXXX XXXX and it should 've been paid off. Yet we still get calls about every XXXX months from the same agency. Never a written item, just a call, claiming the same thing. I tell them it 's taken care of and to get the number off, but they keep the same pattern up. I do n't know who the company is, just that they keep calling and telling me the same thing over and over and over again. I have had enough! I want them to stop harassing us about this debt since, as I know a little about collection laws, they have invalidated it by not sending us anything in the mail ... .ever. It needs to be received within XXXX business days, and we never got a single mailed item from these people. We want them stopped.
05/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 736XX	Web
I had service with att for home and wireless service on combine billing, my home bill part was approx XXXX per month and my wireless varied between XXXX and XXXX a month. After a while I had the home phone service canceled because I was not using and was not under contract for that. I kept wireless until XXXX of 2013 and then I canceled service and went with another provider. I received a final bill from att for XXXX which I paid in full. A few months later I check my credit report and there 's a collection on there for XXXX. I called att and they could not find where I owed them anything or where it was in collections. So I disputed with credit bureaus and they removed it. The collection agency then sold the collection agency to another agency and it showed back up on my credit report, so I dispute again and it 's removed again. So now it 's sold again and some company if systems has it on my credit report again and the bureau will not take it off this time. I have asked for disclosure of this collection and why I owe it and have not received it. I have no idea of how I owe this or where the amount came from.
10/13/2022	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 Problem with personal statement of dispute	NC 27012	Web
To whom it may concern, My daughter had to have XXXX XXXX XX/XX/2017 at the time we lived at XXXX XXXX apartments. I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. My daughter could not recovery going up and down steps. the office knew this at the time of move in this was coming. XXXX XXXX is a friend of mine and he knows my daughter went through this as well. I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. please help me resolve this or at least direction. Best regards, XXXX XXXX XXXX
11/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53589	Web	Older American
On XX/XX/XXXX, I contacted XXXX XXXX via support chat to ensure that my account had been fully closed out and that there were no payments owed. I was told that I needed to return the " XXXX XXXX '' and that they would send out a return kit for it, and that would satisfy everything owed to XXXX. When the kit came, I put the XXXX device in the bag, and took photos of it. I dropped it off at XXXX and got a receipt for it. On XX/XX/XXXX I got a collection notice from I.C. System claiming that I owed {$160.00} to XXXX as the " original and current creditor '', without any contact from XXXX except the aforementioned support chat. On XX/XX/XXXX, I sent a certified letter to I.C. System disputing the claim and requesting a full explanation of the alleged claim. I received NO RESPONSE from I.C. System. On XX/XX/XXXX, I received notice from Experian that my credit report had a new entry, and I found that I.C. System had improperly placed a derogatory report on my account. I.C. System never responded to me in my request for explanation of the alleged amounts owed, and just placed a negative report on my credit history.
04/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92284	Web
I.C. System Inc Collection company added a collection onto my credit reports claiming XXXX to XXXX and XXXX mobility who was the original creditor. Date opened according to them XX/XX/XXXX and balance {$2200.00} as of XX/XX/XXXX. I have no current XXXX XXXX XXXX accounts. The last time I had XXXX XXXX XXXX account was ten plus years ago. I filed a bankruptcy in XXXX that would of XXXX any old account with XXXX and XXXX This company has also reported an address that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. This collection is either time barred past statue of limitations or identity theft. This collection company is in violation of the Fair Debt Collection Practices Act. This collection is not valid and the collection company needs to remove this collection from my credit report for all three agencies. I have filed a dispute with the credit agencies and reported to XXXX XXXX XXXX who completed my bankruptcy in XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Below is link to address I never lived but this collection company is reporting as my address XXXX XXXX XXXX
02/24/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 49509	Web
I am submitting a complaint, firstly here, then to the BBB, after this I will be seeking more aggressive routes as this is criminal in my mind, in order to hopefully get some kind of relief from the damage this company I C SYSTEMS has done to my credit. I have asked many times to verify the debt of {$1100.00} as well as show the contract that I have signed with them and not any other company. Without any proof sent to me. They have changed the dates on the debt. They have repeatedly reported it as new debt in my reports and I have watched my score drop at least 11 points each time that have done this. Most recently they didn't even wait a week before slamming me with this tactic twice. Which I will send proof of with this complaint. This damage will take me years to fix. I believe this is an illegal practice and not the least of which immoral. I don't know this debt. I will NOT pay this debt. I will not give any money to anyone that is trying to strong arm me. I have lost way more in time spent trying to repair my credit and interest rates due directly to their actions. This has been going on far to long.
05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90723	Web
On XX/XX/2023 I received an email about an outstanding balance on my XXXX XXXX account that I owed. Since it was a chaege I was not familiar with I looked through my account and didn't find anything. My next step was to contact XXXX directly and ask ahout the details of the charge. They told me the charge could not be found in my account and that i should ignore the email. I kept getting email and phone calls so I contacted XXXX through their chat services on the XXXX app and they told me once again that the charge could not be found on my account and that it would be a potential scam, so I should ignore it. On XX/XX/2023 a letter was sent to my address about a debt collection with IC System XXXX XXXX stating that XXXX sent them my overdue balance to them for collection. At this time I contacted XXXX again and they said the charge is not found in my account. Finally, they reassured me that my account is in good standing so this charge does not belong to me. I do have messages from the chat and an email I received as confirmation for proof that the charge is not on my account as well, if they are needed.
07/27/2020	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	OH 45230	Web
These are some reports I would like to remove from my report both XXXX and XXXX. Im a poor hardworking XXXX and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX debt and XXXX and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.
07/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27609	Web
A debt collection company " I C SYSTEMS COLLECTIONS '' on behalf of XXXX XXXX has reported that I owe {$120.00} to credit agencies. The last time I had a XXXX XXXX account was XXXX of 2019. That service was at an address, XXXX XXXX XXXX XXXX, GA which I left in XXXX of 2019. At that time I paid the final bill, returned equipment and never got another correspondence from XXXX since XX/XX/2019. I've not received an email, phone call or written notice that anything was owed or that I was being sent to collections. I had absolutely no opportunity to address any issues with XXXX or I C and now have a collections on my credit. Until this appeared on my XXXX credit report I had no idea that their was an issue and to date I have still not received anything stating that I owe anything to XXXX much less what it is that they claim I owe {$120.00} for. I don't live at the address where the service was but XXXX had an email address and phone number to reach me if they needed to reach me about something I owed. Instead they chose to silently send a balance which I do not believe I owe to a collection agency.
12/17/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75002	Web
on XX/XX/2020 at XXXX XXXX central time, I received a call to my desk phone. The caller id was XXXX. I picked it up and it was a debt collection company. There was an automated greeting saying they were for XXXX XXXX and they would come to my place of business, and serve me. I clicked the option to pick to a rep. I asked them to please do not call my place of employment because I'm not allowed to have personal calls. The rep told " they would not stop calling my place of business until I paid them ''. I told him that was not right and I have the right to tell them to call XXXX XXXX. The rep told me " they will continue to call me everyday until I pay them '', he then said ' and if you do not pay, you will be sued in XXXX XXXX courts ''. I again asked him to remove my work phone and he declined. I let me know my work phone was being recorded and he said ' he didn't care because his phone was being recorded and calls to my job would not stop ' he hung up on me at that time. I have a copy of the recorded call. The company was IC System - XXXX XXXX XXXX XXXX - website is https : //www.icsystem.comXXXX
05/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AR XXXXX	Web
The account in question is XXXX. I sent a letter to the company requesting more information on the debt. I have yet to receive information in regards to this matter. I'm concerned because my last name wass not XXXX and my address is not on XXXX XXXX, as it shows on the bill, but that's showing up on my credit reports. I am requesting that the company sends 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.
05/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78233	Web
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under IC System Inc. and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
06/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29301	Web
On XX/XX/2023 I spoke with a supervisor by the name of XXXX XXXX from IC Systems. I called in to pif the account associated with ATT U-VERSE since its placed on my credit. I asked if i paid a sif would it be removed from my credit. On a recorded line XXXX proceeded to tell me that if i paid the settlement of XXXX for the Att u-verse account ) that the account would be removed completely from the bureaus within 30 to 45 days. I paid the sif amount in full on XXXX XXXX XXXX. I requested a removal letter in writing to prove this will be removed. XXXX XXXX advised that a removal letter will be sent out 30 days from the last pay date upon consumer 's request. When receiving the letter, it was not a removal letter and then when calling IC SYSTEMS back a rep proclaimed to tell me that it wouldn't be removed bc its not paid in full, which is misleading info to properly attempt to collect a debt knowing I called to pif specially to get it removed. I asked to be connected to a supervisor, when the supervisor took my call she ref to help and sent me to consumer affairs which nothing has been resolved properly.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63146	Web
XX/XX/2022, I mailed a letter to the company above because I never received a dunning notice and I have no idea what this debt is or how it originated. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : I C SYSTEM XXXX has violated my rights. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
08/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30022	Web
I was a victim of identity theft and 10 different accounts were opened in name with XXXX 2 years ago. I contacted XXXX back then and they acknowledged this and wrote me a letter promising they will take care of this and remove all negative reports. However, I keep on getting various calls from different credit agencies for the same accounts stating that I owe. I have contacted XXXX and they state that the accounts it is not in their system at and they do not see where it was in the first place. Despite the fact that they have written me a letter with their company letterhead apologising and i have called the credit bureau to remove it they state that XXXX has to contact them with the letter. I have contacted XXXX about this sent them faxes and email they are stating that it takes 10 days to read my letter. Very unprofessional and lousy attitude towards solving my problem having sold the account. They are not in a hurry to remove it and even though they promised to 2 years ago. Everytime the collection comes up in my account it dings my account 30 points. Please save me from these draconian monsters.
08/02/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33027	Web
I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
03/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 328XX	Web
XXXX put a collection on my credit report after three years of it not being on there. ICSystems is the credit agency with the debt currently, that I paid off. ICSystems " said '' they sent me a letter before it went to my credit report. I've had the same address for the last 4 years and no letter was received. IF I would have received it, I would have taken care of the debt " before '' it hit my credit report if it were even valid. Maybe they should have sent it certified or something before they ruin someone's report after they " say '' they sent a letter, not knowing if it will get to me on time, if at all. I also talked to the CSR on the phone when making a payment and I want this line to come completely OFF my credit report, not just updated as paid. I've filed an FCC complaint against XXXX for shady business practices,, as they " recalled '' this debt THREE years ago after I tried to pay it off, then yesterday I wake up and the debt is on there from ICSystems. I never received ANY notice from ICSystems and I don't believe they even sent a letter to my address that I never received.
03/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	KS 67037	Web
A debt collector IC Systems of Kansas went through a law office garnished my wages for XXXX. The law office reiieved check on XXXX from USD XXXX ( my employer ) and sent the check onto IC Systems of Kansas who received it on XX/XX/XXXX. I was told on XX/XX/XXXX that the funds had to be held by IC Systems of Kansas for XXXX weeks to confirm debt was paid which 2 weeks from the XX/XX/XXXX was XX/XX/XXXX. When calling back to ask when to expect my check IC Systems told me 2 more weeks which is XX/XX/XXXX. Calling today to IC systems to see where my check for XXXX is they claim to have sent it to the state of Kansas. Called state of kansas which stated they received payment from IC Systems for only XXXX. This is not right. Where is my money that is owed to me. I feel like I have waited a reasonable amount of time. This debtt collector has held my money and is not returning what is owed to me. As of XX/XX/XXXX I have not received the XXXX they promised to refund me for money collected on a debt that was paid in full. IC Systems can tell me the file is closed and the debt is paid but cant find my money.
02/26/2023	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 44120	Web
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. The furnishers mentioned are in violation of 15 USC 1681s-2b ( 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. After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
05/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
I noticed a collection account by I.C. System on my credit report. I sent them a data validation to send me any contractual agreement information that I have with I. C. System. They are stating that I owe this alleged debt but I have no recollection of this company or account. To my knowledge, it is illegat to collect money for something when you do not have any legal standing to collect that debt. They are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 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. By the inaccuracy they are reporting two completely different information to the credit reporting agencies. This is unfair practices and it needs to be removed.
09/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95219	Web
IC Systems put a collection on my account dating back to XXXX. Originally it said XXXX XXXX and it now says XXXX. I was not aware of this until XXXX when I checked my credit. I sent a request to the credit bureau XXXX to verify the validity. On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. I contacted IC SYSTEMS, XX/XX/XXXX and asked for validation of debt. IC SYTEMS, sent in response a collection notice. I followed up on XX/XX/XXXX with a Certified letter with proof of receipt asking for debt validation. In the letter I gave them 15 days to send this verification. As of this date I have received nothing from them. This is unacceptable!
05/02/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WY 829XX	Web
Was solicited by I.C. Systems, inc. AKA XXXX XXXX, an apherently legit collection agency about collection on {$6300.00} owed by a company known as XXXX XXXX XXXX, or XXXX that is addressed to a condemned restaurant building in my home town and shows my home address as well. I did not start, or own any said company at all and i am not responsible for this dept. The Wyoming Sec. of state shows no entity registered either. My credit shows zero lates, charge back etc. and is, has been, and always will be perfect. Credit freezing measures are now in place. This is a case of ID fraud and I request I.C. Systems, Inc. provide any and all documents to support legitimacy of dept alleged for collection, Articles of organization or incorporation of said fraudulent business and any and all E signatures, paper signatures, etc. with my name on them to validate their claim. I also want to know the identity of the people who started this fraudulent business under my name and identity to counter sue to the fullest extent of the law, including said collection agency if deemed necessary. ( SEE ATTACHED DOCUMENTS )
09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30291	Web
In XXXX of 2020 I reported to all three credit bureaus and many creditors ( I.C. Systems being one of them ) that several accounts were fraudulently created in my name while I was away. I provided information of who I knew to be responsible along with a police report, FTC report and an intake and release report from the institution I was held in. I.C. Systems received all of this information. An investigation was done and the item was removed from my credit report by XXXX of 2020. On XX/XX/2020, I.C. Systems knowingly re-reported the fraudulent debt to my credit report. When I called for answers, the same day, they expressed that they did not have any of my identifying information such as my date of birth, last four or full social, or a correct address on file. They refused to speak to me any further unless I verified the debt. That same afternoon, I disputed the account with XXXX. I tried to dispute through the IC System website, but it asks me to input personal information they've already admitted to not having. So today, XX/XX/2020 I typed up a credit dispute letter to submit to them directly.
09/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90028	Web
I was declined credit due to a an unpaid balance, as I was not aware of any unpaid balances I ran my annual credit report. I found this on my report : I C SYSTEM INC Potentially Negative potentially negative icon show account button Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$8600.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXX Balance {$8600.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX This is for someone else entirely, I've never used XXXX, I've actually had a company paid phone since XXXX, and it's with XXXX XXXX. In addition, I've used XXXX XXXX ( now XXXX ) for internet since I've had internet. I have over 7 lines of credit going back 7 years and not one late payment, and I typically pay my full balance unless it's during a promotional zero interest period. Please let me know what to do as this is VERY unsettling. Thank you SO much! XXXX XXXX XXXX XXXX
04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 481XX	Web	Servicemember
I was under a contract XXXX started using pre paid phones for a lower price for same service I negotatefd with them because of this and also because my service was very poor and I was being charged for thinks I did not use. I told them I was writing the XXXX Attorneys office about this and the changes they made in my contract ( witch i was almost over ) without my knoldege or permission.They told me I would be released from my contract to start using pre pay service, witch I did.because of poor service and my repeaditly complaining about service. I had a spending limit per mont under contract if I went over 30 days not paying my bill my service would have been shut off, so how can they say I owe this amount anyway. My monthly limit was around XXXX. They also reported this same amount XXXX to the credit breaures. How can they do this XXXX. I am not writting a letter to the State of XXXX fileing a complaint against the and XXXX see if reporting XXXX to the credit breaurs is leagl, I do n't beleaive it is. I want this off my credit reports right away or I will hire a law firm to handle this for me.
05/07/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WV 258XX	Web
this company contacted me saying iowed a power bill from 5 years ago.so i said ok send me verification and they did, so then i asked for a settlement after i recevied the verification letter and they agree to cut it in half.so i asked the company to send me a letter stating that it was a payoff and if i payed the amount i would be free of the debt.i in turn said i do not want this against my credit so i need this resolved before it does.the company said i would recieve the letter in less than 14 days and that i had time to pay the debt before it was turned in.i called this company 3 times within a month asking for the letter or an email stating that if i paid the payoff balance that the debt was clear and no further action would be taken. well they said there system was messed is why i never recieved a letter i also gave my email address they never sent me an email so i called them today and they said that they had an error is why i never received the letter and thqat they reported me to the credit bureau they said i had to have a checking and router number on file to keep it out of collections.
06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94118	Web
I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : I C SYSTEMS is inaccurate because I have never lived in the state of ILLINOIS. It first appeared back in 2017 on my credit report under XXXX XXXX with the same amount {$940.00}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & XXXX are not willing to help remove it. To substantiate my claim I am attaching the following documents which I had already sent to XXXX & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting I C System several times they have not done anything to remove this incorrect information from my credit report.
08/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN XXXXX	Web	Older American, Servicemember
In XX/XX/2023 received a collection letter from I.C. Systems Inc. dated XX/XX/2023, concerning an alleged debt owed to XXXX XXXX, that they are trying to collect {$930.00}. I had to respond to their collection letter by XX/XX/2023, disputing this alleged debt. Accordance with the Fair Debt Collection Practices Act, I sent them a disputing letter dated XX/XX/2023, to this debt requesting specific information that would show that I did or didnt owe this debt. The disputing debt letter was sent to I.C. System Inc. via Certified Mail XXXX on XX/XX/2023. I received my green return receipt card back with a date of receipt stamped XX/XX/2023. I never received a response to my letter, I called I.C.Systems Inc on XX/XX/2023 and spoke with a XXXX XXXX and informed him of my sending the dispute letter via certified mail and it was received on their end on XX/XX/2023 and that I had received the green return receipt but no response to my letter. He would look into it. On XX/XX/XXXX received notification from different credit monitoring sites that a collection account had been added to my credit reports.
04/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92028	Web
After getting out of prison in 2020 I checked my credit, I'd been gone for XXXX years and previously been contacted by the IRS who informed me I was a victim of identity theft when someone used my social to avoid their income tax by having nothing withheld from their paycheck. It was easily proven that I was unable to do this as I was in custody. So once I saw this report that I owed XXXX XXXX and now that debit was being pursued through a company called XXXX. I filed disputes with all XXXX credit bureaus and with XXXX XXXX XXXX in am attempt to remedy this. After no success I contacted XXXX XXXX on XXXX, I was told to fill out a Affidavit of Identity Theft and a police report, I did both and am waiting for this to be removed. This negative report has cost me money, time, and opportunity. I was just paid in the XXXX data breach as my information is routinely found on the dark web and I don't understand why it's so difficult for this to be proven its not mine, for all the above mentioned reasons this should be removed and I should be paid for the anguish this has caused. I just want it removed.
01/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 307XX	Web
Date of Service : XX/XX/XXXX Date of Service : XX/XX/XXXX I have two medical bills that have recently hit my credit report. I have been going back and forth with the collection agency and the original creditor. I spoke with the hospital in which services were received. They stated I owe a XXXX $ balance on both bills as I was covered under the XXXX XXXX program. I spoke with these agencies XX/XX/XXXX and XX/XX/XXXX and again as of this date XX/XX/XXXX. The hospital and insurance company have both verified with me this debt was paid in full and I have no obligation to this debt. I contacted the agency and oringial creditor in regards to this matter. They requested documentation. I contacted the facility back where treatment was performed due to XXXX XXXX. The facility mailed me itemized statements showing a breakdown of what was billable and what was not. I spoke again with the creditor on XX/XX/XXXX and was told this will not be documentation that allows them to remove this collection. The facility and insurance company suggested this is all they could provide. I can not get this debt removed.
12/30/2022	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 Problem with personal statement of dispute	UT 84081	Web
I have reached out this Debt Collecting Company by the name of IC Systems. I mentioned that I do not acknowledge this debt that they are making efforts collecting on. I have spoken to Two separate representatives and also Two supervisors that were on duty at that time. I requested a Validation of debt. They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. I now demand that this information be removed if ic systems are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.
04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22405	Web
I received an invoice from a IC SYSTEM ( debt collector ) representing XXXX XXXX dated XX/XX/XXXX offering to settle the amount of {$370.00}. I immediately called the customer service # on the invoice and was told that the outstanding debt was for cable service for 3 months in XXXX XXXX in XXXX, XXXX I explained the last time I lived in XXXX was XXXX, and can provide proof that I have resided in the state of XXXX continuously, specifically for the timeline the debt was being collected against. The customer service agent recommended that I file an ID Theft claim with them directly ( which I did on the call ) and to also contact XXXX XXXX and file the ID Theft claim with them as well. On XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Verification Team reached out to me via email and provided me [ Incident : XXXX ] along with instructions and a packet to complete within 30 days and a hard requirement for a police report which led me to ftc.gov since this is handled out of the state I reside in so that the XXXX XXXX division can begin investigating. I am asking you to assist in resolving this issue.
10/15/2018	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	TX 751XX	Web
Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX C/O IC System Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. XXXX XXXX did not remove debt but in turn sent me a letter stating the debt was valid. The letter XXXX XXXX mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. Equifax requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to me.
05/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I.C. System XXXX. XXXX XXXX XXXX XXXX, MN XXXX I am writing in response to collection, XXXX. # XXXX, XXXX XXXX XXXX XXXX, in the amount of : 1. {$1400.00} 2. {$85.00} 3. {$930.00} I.C SYSYTEM, nor XXXX XXXX XXXX XXXX, have produced a contractual agreement upon which I entered and agreed to establish a relationship. I am victim of identity theft and would like I.C. System to provide proper validation, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid. I.C. SYSTEM, INC. continues to harm my credit file with negative reporting and not properly validating alleged claims and shall remove this immediately! If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x. XXXX XXXX
05/12/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 080XX	Web
I was alerted to a medical collection on my credit report under the name of XXXX XXXX on XXXX XXXX while attempting to secure a mortgage. The account number listed is XXXX. On the afternoon of XXXX XXXX, I contacted I.C Systems via phone ( at XXXX ). When I got someone on the phone ( a woman who refused to repeat her name after it was given once, quickly, or collector identification ) I asked for information for who the original debt was issued by ; my credit report references a medical provider in Pennsylvania, but the name of the doctor / practice is not showing on the reports. I advised the woman I had an account number - she stated that they were unable to provide any information to me on the original debt at that time. She did not take down the account number, but read back my phone number to me from caller ID and advised my number was not appearing in their system. I again asked for validation of debt and I was told it was n't available. To date, I have not received any written communication from I.C. Systems or any medical services provider concerning a debt in the amount of {$89.00}.
11/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14609	Web
XXXX XXXX XXXX XXXX sent a bill for over {$2000.00} with zero explanation, it only says miscellaneous charges. {$88.00} was indicated as the final energy charges. I have requested a full complete itemized receipt of charges including : dates, addresses, energy charges, etc. from 2 collections companies and from XXXX & XXXX themselves, no one will provide this information to me. Over the years I have blindly paid whatever charges XXXX & XXXX arbitrarily alleged that I owed as I needed service and they are the sole energy provider in my area. This time I have chosen to dispute as my bill was not behind nor am I no longer required to utilize their service. The VP from XXXX & XXXX called me last year and promised to provide me with the requested information and I have never heard from them again, until today, when I spoke to XXXX at IC Systems, who also refused to provide me with documentation of debt and refused my request for a manager. I will not be paying this erroneous charge to XXXX & XXXX. I will have this gross error removed from my XXXX, if it means suing XXXX & XXXX is my only option.
06/17/2019	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 Their investigation did not fix an error on your report	MA 01702	Web
This company claims that I have a balance of {$310.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to XXXX asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the account was validated without providing me with an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows ( XXXX XXXX ) as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it that says that I agreed to pay this company.
06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91942	Web
XXXX sent IC System after me a year after I closed my account, claiming I owed XXXX {$59.00} for equipment that I returned to the XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX made no prior attempt to contact me via phone or email prior to sending a debt collector after me, and I no longer have the receipt for equipment return because I thought this was finished over a year ago. I disputed the charges and explained I returned the equipment to their facility. I noted that they have not itemized the equipment so I have no idea what they are even claiming I kept. I have no reason to keep the equipment because I moved to an area that XXXX did not service at the time I moved, I have a high XXXX XXXX, and have always paid my other debts on time. I told XXXXIC System to cease & desist and they are continuing to harass me. They filed a collection with the credit reporting agencies, whom I had to contact to have the collection removed ( which they did ). Please see the attached letter for my correspondence with XXXX ( XXXX XXXX ) and with the credit reporting agencies ( XXXX XXXX ).
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53406	Web
This company has removed a bill from my credit report before because it was fraud now a year later they put it back but they dont have the right to place this collection on my credit because they dont have all the necessary documentation needed to follow fcra guidelines. I call and complained they attempted to ask me for my full ssn but I only allowed them to have the last 4 digits the guy tried to say thats all he needed to verify the debt but he needs my entire ssn to verify a debt they also have no proof of ID card or social security card or even proof that I have ever stayed at the address where this service or what was obtained they have no proof of residency I have never paid a bill with att show me a proof of purchase or even a bill that was paid by me before you come damaging someones credit they are placing a falsified collections on my report I will seek all necessary legal actions against this third party if this is not removed immediately and the customer service rep hung up in my face because he was wrong and tried to swindle me out of my social security number that is illegal
01/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53719	Web
The company that has been attempting to collect a debt of {$98.00} from me is called IC System. Their website is www.icsystem.com and they are attempting to collect this debt as an agent for XXXX, the phone company. The debt is under a different name than mine, I have never had a XXXX account, and I 've told them this several times. They even reported it to the credit bureau and it was added to my credit report. I contacted the credit bureau and they removed the debt from my credit report as it is not under my name. Somehow they have it tied to my social security number and are again contacting me via phone and mail threatening to report it to the credit bureau again. I just called the company and spoke to XXXX XXXX ( supervised by XXXX XXXX ) who told me that they would continue to report it to the credit bureau and would not remove my social security number from the debt. He recommended that I keep disputing it every time they report it to the credit bureau and said that was my only option of recourse. That simply can not be true. Any help/advice would be greatly appreciated. Thanks.
09/30/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NY 125XX	Web	Older American, Servicemember
I am a XXXX man, and I was very upset, on XXXX, XX/XX/2023, when I received a phone call at XXXX XXXX. I missed the call but was concerned because someone was calling me so early. Even though I didnt recognize the number, I immediately called back. The call was from a collection agency demanding payment on an old debt that was past the statute of limitations, in New York. The name of the agency is : IC Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX I didnt recognize the name of the company they claimed I owed money to and the debt they were demanding payment on was XXXX or XXXX XXXX XXXX. I would like to file a complaint. Not only is this agency calling at an illegal time, but they are also participating in a predatory practice when they targeted, at least, this senior and demanded payment on a debt that is no longer a legal obligation. I would appreciate it if you could investigate this situation and let me know the results of your investigation. Thank you for your attention to this matter. Best regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
07/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89506	Web
I recently found out I am a victim of Identity Theft. There have been several medical accounts opened in my name that were fraudulent. Medical Fraud. Along with some credit cards such as XXXX XXXX , XXXX , XXXX XXXX . I have also filed an FTC Id Theft report. I have not received any medical services in question. You have 4 bus days to stop reporting and delete the accounts once you have received my documents. FCRA law, once the furnisher receives all my fraud documentation the accounts must be deleted from my reports within 4 business days. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the 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
01/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 36867	Web	Servicemember
IC System Inc I am responding to your notice that you placed in my consumer report under collections about a debt you are trying to collect. Please supply the information below so that I have all information : 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. 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 trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. Provide verification and documentation that there is a valid basis for claiming that I must 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? 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.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78727	Web
On XX/XX/2021, I C System added a derogatory mark with the amount of XXXX USD on my credit report XXXX, XXXX and XXXX ( Can be seen from XXXX XXXX as well ). Upon, further research, this account was transferred/sold from XXXX to I C System and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, I C System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.
12/07/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web	Servicemember
I am writing to file a formal complaint against IC System Inc. for their collection activities on behalf of XXXX XXXX XXXX. The incident involves their persistent attempts to collect an alleged debt of {$200.00}. Despite my request for verification of the debt, IC System Inc. has not provided adequate documentation supporting the validity of the claimed amount. The lack of transparency regarding the alleged debt, including dates, charges, and supporting documentation from XXXX XXXX XXXX, is of concern. The actions taken by IC System Inc. have been aggressive, and I believe they may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request the Consumer Financial Protection Bureau to investigate this matter, seeking resolution through proper verification of the debt, cessation of aggressive tactics, and the provision of detailed information related to the alleged debt. I refrain from providing personal information in accordance with CFPB guidelines but am willing to furnish necessary details upon request. I appreciate your prompt attention to this complaint.
12/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web
on XXXX/XXXX/XXXX after checking my credit report I noticed a derogatory remark on my credit report from a collection agency called XXXX XXXX who bought a debt from " XXXX ''. After contacting this company via mail and phone to validate this debt which is not mine the companies account was removed from my credit report. This is was not the first time I 've had to request validation from XXXX or their creditors. I once had 3 different accounts at different addresses on my credit report showing seriously delinquent all which were removed due to them not being mine. Today XXXX/XXXX/XXXX I wake up and there is a new account on my report from " XXXX XXXX XXXX XXXX '' original creditors " XXXX '' for {$770.00}. I called XXXX and was told they do not handle these disputes and it seems to be fraud. I was advised to call the Credit bureau. I then called XXXX and was advised that " its a wash and rinse process and only thing they can do is keep disputing the accounts if collection agencies continue to sell, and also to contact the CFPB, FTC, and State attorney general office. so here we are!!
05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30064	Web
IC Systems has added a collections my credit report for the amount of {$210.00}. The debt in references was originally owed by XXXX XXXX XXXX and was apart of a XXXX with a recurring monthly payment. XXXX and IC Systems failed to send any notification of owing a past due balance and instead added the collections to my credit report. The account was cancelled with XXXX XXXX XXXX between in 2015 as our dog " XXXX '' was stolen from our property and a police report was made. XXXX was notified immediately via phone call at the XXXX location and our account was cancelled. After the cancellation we were still being billed for pet care through automatic debt on an old account that was closed. After speaking with a representative from IC Systems we were informed about a contract that apparently stated that regardless of the dog being stolen we still had to pay. We have submitted a dispute for verification of the debt and a copy of the contract with XXXX but we have not been provided anything from IC Systems. Even though the debt has not been verified it still remains on my credit report.
12/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 54956	Web
I've contacted I.C. SYSTEM, INC regarding a ATT U-verse debt that is showing up on my credit report. They informed me that the service ( I assume XXXX XXXX ) was setup at an address in Illinois. For what it is worth, I've had XXXX XXXX Stream service ( another ATT XXXX ) for five years, which should make one question why I would open an account for a second cable service. I informed I.C. System, INC that I've lived in XXXX my entire life, and there is no scenario that any service should have been setup at an address in XXXX. This must be a fraudulent account. I made no progress with this company. In fact, they used the opportunity, when I called to dispute the debt, to get my home address in XXXX and update their records instead of doing anything to determine if this was fraudulent. I disputed the debt on the XXXX credit report two times. With both disputes, the results came back within 24 hours with no change. This is impacting my credit score. Please note it is the only delinquency on my credit.. Seeking help because I've exhausted other means of getting this corrected.
06/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 446XX	Web	Servicemember
My ex wife and I were going through the divorce process in XXXX, XXXX my ex wife asked XXXX XXXX to transfer her number to her own plan so that she could pay it. We contacted XXXX Customer Service and had her removed from my account and she gave them her social security number and they created her own account for her. I had no access to payment information or anything for her account. I was assured by customer service that I was not responsible anymore if she missed a payment. She had set up her own account. On XX/XX/XXXX I received a credit alert that I was sent to collections for {$500.00} that she did not pay. I called XXXX XXXX and they said that they had put her on a sub-account under my name and that I was legally responsible and that she wasnt responsible. I then called the collection agency and they had my ex wifes address on file and that she wasnt liable for the collection of the debt, only I was. We have been divorced officially since XX/XX/2019. I can not understand how I am liable for my ex wifes debt when I did nothing wrong. XXXX XXXX put it wrong in their system.
08/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Web	Servicemember
This account was disputed on XX/XX/XXXX with the CFPB and deleted from my credit report on XX/XX/XXXX due to it being a result of fraud identity theft. The dispute result stated that item would not be reported by the reporting agency I.C. System, Inc, however, the same agency reported the item on XX/XX/XXXX three months later, violating the agreement and going against the ruling of the CFPB. This account was re-reported to my credit report on XX/XX/XXXX. As a result I was denied on my rental application the same day that I applied which was XX/XX/XXXX. At this point this account has caused enough problems after Ive already proven that it is not mine. This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. I have NEVER had any services with XXXX.
01/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43211	Web	Older American
I C Systems collection, is attempting to collect a debt I originally owed to XXXX XXXX XXXX. I had services with XXXX XXXX and they put XXXX XXXX XXXX on as internet service. The service I was getting from XXXX XXXX XXXX was so bad I couldn't keep the internet in a usable fashion. I then called XXXX XXXX and told them to cancel my contract because of poor service on internet. They did so. and cancelled my contract. Plus gave me a {$100.00} gift card for my troubles. This contract was cancelled withing a two week period. Several months went by and I got a collection notice from XXXX XXXX XXXX and I called them and told I had cancelled the contract because of poor internet service. The person from XXXX XXXX XXXX said he would clear the account and apologized. Several more months went then ICS sent notice. I had called them twice and no luck. Plus they did not want to hear my side. Since then I called XXXX XXXX XXXX several times and get promise would be taken care and I am still under collection. I tried all I know to clear this mess up but no luck. Now I am turning to you.
06/16/2021	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 Was not notified of investigation status or results	KS 66104	Web
Hello, I have been trying to get this problem fixed since XX/XX/2021 with XXXX and XXXX and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX Company debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is I C SYSTEM and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.
12/31/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30319	Web
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that I.C. System, Inc. is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. I.C. System Inc. received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.
11/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63028	Web
This debt is for an electric bill for a house which I sold on XX/XX/2018. I contacted XXXX and had our power transferred to the new house on the day of closing. XXXX turned on the power at the new house but apparently failed to shut off the power at the old house. The person who bought the house just kept on using the " free '' power XXXX was providing. I was completely unaware until I received a bill from XXXX for the month of XXXX for the house which I sold in early XXXX. I contacted XXXX and they then turned off the power to the house which I had sold. I did my part and had the power transferred on the day of closing while I was still at the title company to sign the house over to the new owner. XXXX did only half of their job and now wants me to pay for their neglect. XXXX seems to think I should pay for their employees ' incompetence. XXXX turned this false debt over to IC System, a collection agency. This false debt has already been removed from my credit report once before, after being investigated by XXXX XXXX. Now IC System has now put it back on my credit report.
01/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	VA 235XX	Web
I am a victim of Identity theft, as soon as I was notified of this I immediately informed the FTC as well as all XXXX major credit bereau 's and any corresponding debt collectors or agencies. I initiated several disputes in compliance with federal law. My disputes were granted and the fraudulent info was removed from all XXXX of my credit files. As of XXXX/XXXX/2015 I was given notice by letter from the reporting agencies stating that after a thorough investigation my disputes will be honored and this fraudulent information will forever be removed from my credit file. The false info affecting my credit file is XXXX XXXX. This fraudulent info has now reappeared on my XXXX credit report again and displays even more fraudulent info that is inconsistent with the initial claim : I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, 2015 Collection Agency I C SYSTEM Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2015 Closed Date -- Responsibility Individual Balance {$230.00} High Balance {$230.00} Remarks Placed for collection
04/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30260	Web
I received a letter from " IC Systems Inc '' around XX/XX/XXXX in which it clearly explained that it was representing " XXXX '' which I do not have service with XXXX I add. I wrote a letter roughly around XX/XX/XXXX and obtained certified receipt back on XX/XX/XXXX that my dispute and demand to cease all collection up to and including reporting until an orginal wet signature showing proof that I owe the so called debt to XXXX. I know for a fact that not only I do not owe it but it's not even my account. I received the same collection from another collection agency who was wise to submit in writing that they've ceased collection on it. But yet this company IC Systems did not correspond as I requested in writing before reporting to all 3 credit bureaus. I am demanding immediate removal of it and or I will seek representation from an attorney. According to my rights none of the 3 bureaus nor this collection agency was suppose to place any debts on my credit files without proper investigation. I have included my letter and proof of mailing attached with this complaint!
10/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60657	Web
I had terminated a XXXX contract inXX/XX/XXXX and confirmed with them that I no longer had any balance on the account, after which I moved out of the country for a short period. In XXXX of XXXX, I began receiving debt collection calls on behalf of XXXX and was informed it was due to an unpaid balance of {$82.00}. I called XXXX and worked with them to find out they had erroneously left charges on my account that I was not aware of. When I asked why they had n't reached out via email, they said they 'd attempted to reach me on the disconnected number ( why, I 'm not sure ) and that when they could n't reach me they sent the debt to collections ( I C Systems ). Now, XXXX claims that it 's now " out of their hands '' and that I have to work with I C Systems. However, when I call them, they just repeatedly tell me " pay us '' and refuse to work with me otherwise. This has negatively effected my credit and my ability to obtain a line of credit that I would otherwise have been able to get. It 's very frustrating and am hoping that someone can provide some assistance.
07/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33319	Web
The debt Collector company by the name of : I.C System INC has be harassing My Credit and Damaging it out of Spite! They told me that they would purposely Ruin my credit Score. And now they are sure FLAGGING MY CREDIT 3 or 4 Times in less than a Month which I believed is illegal! Company phone number XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. My name is XXXX XXXX, phone # XXXX i had to changed my number! Listed creditor : XXXX, XXXX XXXX XXXX Reference ID : XXXX. My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX. The last representative i spoke to i told him i did not have because Im struggling to pay my bills, i also told him that they are harassing me, and i need it to stop. He then told me that the are going to Damage my credit since am so rude telling him about harassment. I need my credit scores to be replaced asap! I.C System Inc FLAGGED MY CREDIT on XX/XX/21, XX/XX/21 & XX/XX/21. XXXX times that i can show that the action is to damage my credit out of spite. I need help please. They are abusing there authority. Thank you, XXXX.
05/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77386	Web
I woke up XX/XX/2020 to find I have an email saying my credit went down due to the fact that I had a collection added to my credit report. I opened up XXXX and it said IC systems but nothing stating whom its for. I called IC systems and spoke to a gentlemen who collects debt. I asked the gentleman whats this about and he couldnt find me anywhere in his system. Then he finds me and says its for XXXX. I said its not me. I went through this before and it was taken off by XXXX. So I asked how long this was in his office and he says for 50 days. I said well how come I didnt get a phone call or letter in the mail stating whats going on so I couldve at least taken care of the Situation some how before it got on my credit report. He stated that they have The wrong info for me. I said thats not my fault. He agreed. Im writing you guys because the collection agency never contacted me to inform me of the debt before placing it on my credit report and I requested validation of the debt and that they need to remove it from my credit until they provide me with the validation.
04/23/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33579	Web
On XX/XX/2019 I notice a huge discrepancy in my XXXX account. An unauthorized transaction in the amount of {$2600.00} was taken from my account from XXXX. XXXX jacked up the price of the amount owed, this is not right. On top of that after they took the money from my account XXXX sent me another letter charging me late fees on a account that has been closed since XX/XX/2019. I contacted the bank to dispute this charge and also filed a CFPB complaint for the bank that's still pending. XXXX has been in contact with XXXX in regards to this transaction and refuse to refund my money/differential. I received a letter dated XX/XX/2019 from a IC Systems collection agency informing me that the XXXX account # XXXX in the amount of {$2600.00} was turned over to them. On a letter dated XX/XX/2019 I received yet another letter from the same collection agency offering me a settlement on this XXXX account for {$1800.00} I still though that was to high, but I was ready to accept the offered amount and move on. Also please note the collection letters have different amounts owed.
10/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 900XX	Web
The company has continuously called not identifying themselves as debt collectors or an attempt to collect their debt. They received no answer no one says anything when they call and they use the robocall to update credit records as if they spoke to someone. They should not be able to update credit records saying that they spoke to someone for example they have a declared natural disaster written on my credit record no one spoke to me I never declared any natural disaster. This company is making false representations on my credit record updating it monthly is not two or three times a month they didn't buy the debt two or three times a month they have no right to update it to three times a month they've never spoken with me I don't owe this debt and they have been predatory in their attempts to collect the debt that is not old. In this form I'm only allowed to choose one auction at a time but there are many more options if I could choose more than one that I would fill in for them. When I asked for verification and validation of debt in 2019 I received no reply.
01/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	XXXXX	Web
On XX/XX/2020, I learned there were four medical debts sent to collections. The collection agency is I.C. System, Inc. I disputed the collections with XXXX, XXXX, and XXXX, because I was not aware of these medical bills. I have no information regarding this medical bills. Apparently, I.C. System, Inc, verified the debt with all three credit bureaus. On XX/XX/2020, I contacted I.C. System to find out why I have medical debts in collections. The medical debts total in over {$6200.00}. I found out they have a total of 6 debts in collections. I requested for itemized bill for the collection of over {$6200.00}. I.C. System refused to send me an itemized bill. They said I have to contact the original creditor. I.C. System is trying to collect on a debt I don't even know what it is. They should be sending me an itemized bill so that I can review it to find out whether I was charged correctly or not. Please contact I.C. System and have them either send me an itemized bill or have them immediately remove all medical debts from collections on all of my credit reports.
04/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78239	Web
So this XXXX account was previously with XXXX, XXXX. I sent a letter requesting debt verification in with XXXX in late XXXX of 2019. They never responded with debt verification but sold the debt to I C System which they opened the account in XXXX of 2019. I sent a dispute requesting that I C system verify/validate the debt through XXXX and they only said that it was verified, they never sent me the requested proof of validation nor did the send me a notice of debt which is required by US CODE 1692. I have asked for proof that this debt is mine from XXXX, and then this creditor on multiple occasions and they have sent me no proof at all but continue to report this debt illegally and change the dates of the balance being reported. I am requesting proof that this debt is mine and proof that they sent me a notice of the debt when they first purchased/opened it in 2019. The debt is not verified and there for should not be reported with out proper verification, including the paperwork from the original creditor ( XXXX ) and proof of their purchase from XXXX, XXXX.
02/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43302	Web
The company added a collection to my credit report without my knowledge. I called and spoke to someone in their customer service department and they advised that the account was FDCPA violations! I request IC verify the following information : 1 - Full original account number 2 - Date original account was opened 3 - Any written and signed agreement between myself & original credit stating that the debt is owed 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first alleged delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me before it was reported to the agency, and so proving that these calls were made during the times governed by FDCPA law. If IC is unable to provide the above identifying account information, this account must be deleted from all CRA 's. IC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute the validity of the alleged debt. I eventually received this letter dated XX/XX/XXXX although it is reporting on my credit as XX/XX/XXXX.
04/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SD 577XX	Web	Servicemember
I called XXXX XXXX and told about my situation. Originally I thought it was identity fraud, but really it turned out to be XXXX 's fault in where they failed to transfer something on their part which caused a ghost amount of money to be accrued. They told me that there were 2 sub levels on my account. When I merged the 2nd sub level to the 1st sub level, it caused a device forced buy out which was where the debt came from. But when I talked to a XXXX representative and they checked the merge they saw that the agreement of the phone, XXXX XXXX XXXX XXXX, was not transferred over. I tried to work with the representatives as they continued escalating the case, but in the end they could not deal with it. They told me they keep voice logs of every customer service call, so if you investigate my phone number and their logs you could probably see and listen to the conversations I had. There should be enough evidence if you check from XXXX 's side that the debt I owed is falsified. I also have the escalation number which is XXXX and the call reference number is XXXX.
09/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web
I am a victim of Identity Theft. Back in XXXX I went to a shopping center and lost my purse which contains ID 's, money and some personal effects. I did not bother to report since I was too complacent that maybe it was just another petty theft and realized later on the gravity of what happened. Fast forward.. XXXX of this year, for the first time I pulled up my credit report since I am looking for house. I noticed that there was a credit card opened back in XX/XX/XXXX with XXXX XXXX XXXXXXXX, a collection account from IC System ( original creditor is XXXX and a medical collection from XXXX ( original creditor is Georgia XXXX XXXX ). The total balance of it all is roughly $ XXXX. I tried reaching out to the companies and even disputed it to the bureaus but they did not take my complaint seriously and ignore it up until now. I already filed an FTC affidavit and I am waiting for the copy of the police report I filed. This kind of matter should not be taken lightly. The unwillingness of the bureaus and the company clearly violates the Fair Credit Reporting Act..
02/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web
i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. thank you for your time concerning this matter at hand
10/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77063	Web
The account is a XXXX account I had at my previous apartment unit about 3 years ago. I moved to a new unit in the same complex without being aware that I owe a balance of {$100.00} on my XXXX Cable. I was never contacted about paying this debt. Partly because correspondence is sent to an old address or my name is spelled wrong ( As can be seen in the attached document ) I suddenly see this item on my credit report as I now check it often for inaccuracies. I immediately called the Collection Agency and paid the amount in full XXXX along with a {$5.00} processing fee paid to PAY IN SECONDS. I made it known to the agent that if they had contacted me prior I would have made the payment to which she had no response, She however advised me that it can be deleted if i went through the right channel, which brings me to this site. According to the credit reporting agency this damaging record will remain on my account till XX/XX/2021. Since I paid the full amount the same day it was reported, I request a DELETION of this derogatory item from my XXXX credit file.
10/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94607	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subjec t 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
08/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11520	Web
I.C.Systen, Inc has violated my privacy rights with aggravated identity theft by reporting NEGATIVE information about me to third-party consumer reporting agencies without my consent. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. Each violation applied : {$8000.00} due for each violation. VIOLATIONS : - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. As stated above, I.C. System, Inc has violated me with aggravated identity theft. I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. I.C. System, Inc must disclose my right to opt out and has committed fraud, which has no statute of limitations
02/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	IL 61701	Web	Servicemember
I received a missed call from IC Systems regarding a collection account. I returned the call to gather some information from the agency. Upon contact with the agencyi was treated like the scum of the Earth. I simply requested validation of the debt from the agent and was told it was previously sent out. I asked how could it have been sent if this was my first contact with the agency. The agent proceeded to inform me validation was sent on XX/XX/2017. I advise the agent I had n't received any communication from their company and again this was my first contact. I informed the agent whatever she claims was sent was the first notice NOT validation of the debt. I also informed the agent I have a right to request validation of the debt and by law the agency had to provide it. The agent became very argumentative and upset. I then requested to speak with a supervisor and the agent hung up the phone. The phone call requesting money for an unknown debt after knowingly sending out a notice that i have not received is a violation of the FDCPA ; clearly overshadowing..
06/17/2023	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 30542	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency 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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
02/08/2023	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 44060	Web	Servicemember
I spent 6 months ( XXXX through XXXX of 2016 getting our bill/account corrected with XXXX. We were finally refunded over {$650.00} of excessive charges after continually calling and then working with a special department at XXXX. 6 months of my time. Our contract was ending that fall. Date : Fall of 2016 after all of the hardship we went through with XXXX, we switched to cheaper Military Plan on XXXX during a special where they paid off any remaining balance on your contract to your provider ( which was XXXX ) and sent back the phones to the provider ( we turned in our phones and they were mailed back to XXXX ). We were present when they contacted XXXX and ended our contract. Amount Disputed : {$1300.00} This amount was put on to my credit report. I have submitted a dispute four times through XXXX. We do not owe anything to XXXX. Our account was current by us and paid in full by XXXX to buy us out of contract to start up phone service with XXXX XXXX. Our contract was paid in full by XXXX when we switched providers. We are still with XXXX to this day.
10/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 316XX	Web
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( 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 ( 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 813 for failure to comply with a provision of this title ( 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
12/13/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MS XXXXX	Web	Servicemember
IC Systems, INC is claiming I owe {$460.00}. They also falsely place information my credit report. Be advised, 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 office 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 ; and Provide me with your license numbers and Registered Agent.
04/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90008	Web
XXXX XXXX has repeatedly sent me to different collection companies for cable boxes that were allegedly not returned. I lived with a roommate and when we parted ways in XXXX of 2017 we went to a XXXX store in XXXX XXXX and requested a transfer of responsibility to his name. I don't believe they gave us any documentation but i no longer received bills in my name and i believe they began emailing him the bills instead. Also this was 5 years ago so if there were paperwork i wouldnt still have it but they should have record of who they were billing and receiving payment from last. The last time they sent me to collections i successfully disputed it and it was removed from my credit report. I gave XXXX the name and phone number of the person responsible back then why they chose not to follow up i dont know or understand. Since then they recently started a new collections with a different company but never sent me anything in the mail i only found out by monitoring my report with XXXX. I have tried to dispute with XXXX but they have unjustly sided with XXXX.
03/26/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78222	Web
My phone had previously been through XXXX. In XXXX, 2021 I went to XXXX and had to purchase a prepaid phone. XXXX had problems porting my phone and everyday for XXXX weeks I would go in and try to work with XXXX XXXX, the manager. I was then told to give them a month to fix the problems yet the continued to bill me for a prepaid service. The store manager XXXX XXXX even paid a phone bill for me. Nonetheless they continued to have problems getting my account straight. I would go in the store every other day until I decided to discontinue business with them. They would even keep me on the phone for hours promising to fix the problem to no avail. I am requesting all the notes on my account from XXXX with XXXX XXXX, their manager and myself. I will never do business with this company again. I am on XXXX and should have stayed with my government issued XXXX. Have XXXX submit records, notes of phone calls and billing statements. Also reach out to Manager XXXX XXXX. XXXX put my account with The XXXX XXXX, XXXX see attached CFPB Complaint XXXX copy attached
07/28/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CO 80247	Web	Servicemember
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
01/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19023	Web
I received a letter dated XX/XX/XXXX from IC System alleging that I owe them {$220.00}. I have never done business with this company nor have I ever heard of them until I received this notice. I sent a letter to IC System requesting debt validation as per the FCRA. IC System responded to my request on XX/XX/XXXX by sending photo copies of a cable bill, with nothing bearing my signature, and placed this account on my credit report. On XX/XX/XXXX I sent another letter to IC System informing them that according to the FTC opinion letter from Attorney XXXX XXXX XXXX, photo copies of an old bill does not constitute verification. This letter was signed for by XXXX XXXX at IC System on XX/XX/XXXX. As of today, XX/XX/XXXX I have yet to receive any type of communication from IC System. This alleged account still remains on my credit report and is being reported by XXXX, XXXX, and XXXX. IC System is in violation of the FCRA & FDCPA. I am requesting that this account be immediately deleted from my credit report because it is causing damage to my credit file.
02/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30260	Web
In XXXX I visited XXXX XXXX XXXX in XXXX XXXX, GA. I was XXXX at the time and now I am XXXX, my mom signed a form with them that she was liable and was consenting for the treatment since I was a minor. I have contacted XXXX XXXX XXXX and they have confirmed with me that since I was a minor the debt will be dropped. On XX/XX/XXXX I.C. System INC opened a collection account for the bill from XXXX and did not notify me. On XXXX XXXX I found about about this account when they filed on my credit report, the amount is {$650.00}. I have called them and they have told me it does not matter that I was a minor i still have to pay the bill or they will garnish my wages and take me to court and needed my Mothers name so they can take her to court also and now refuse to speak to me when I call. I am confused as why I am just now learning about a debt from XXXX especially when i was a minor and now its XXXX. According to XXXX XXXX XXXX the bill should have been dropped when I was XXXX or assigned to my mother but I am not legally reliable for it. I live in Georgia.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37013	Web
On XX/XX/XXXX. I.C Systems flagged my consumer report with an account from XXXX. After spending hours on the phone with XXXX, I was notified that this account was open fraudulently in XXXX under my name. There was no social security number tied to the account just my name and an address that I never lived at and not familiar with. I.C Systems have violated my rights under the FCRA " Permissible purposes of the consumer report '' 15 USC 1681b. They are furnishing my consumer report without my permission. They also failed to conduct the proper investigation concerning this account which is another violation under the FCRA. Attached to this complaint is a police report, FTC report, and the leasing agreement where I was living at from XXXX which is in XXXX, FL. This is proof that there's no way I am tied to this account and I am in fact a victim of fraud! I am demanding this account to be deleted and all my information to be removed from your files or I will seek litigation. Note that I am documenting everything and keeping all replies for court purposes.
03/13/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IL 60543	Web
Letter was sent to the company involved a while ago, I'm just following up to be sure they no longer have my information in their system as owing any alleged debt. 2nd letter was sent XX/XX/21. IC Systems received it on XX/XX/21. At the time, I was not aware my rights were violated, but now I do. Pursuant to 15 usc 1681 ( 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 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means 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 every consumer credit transaction below. This company is also in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692g, 15 USC 1692c, and 15 USC1692c ( 2 )
09/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 618XX	Web
I received a XX/XX/XXXX letter from IC System, regarding a debt turned over to them by XXXX, noted as the original and current debtor. As both a current and former XXXX customer, I was unfamiliar with the account number listed on the letter. I then contacted XXXX customer service today, XX/XX/XXXX, and an online agent confirmed that a previously-closed account was showing a past due balance for equipment not returned ; however, further review of the account showed notation that the equipment was, in fact, previously received by XXXX in XXXX. There was no further statement by the representative why the amount due remained on the account, or why it was referred to collections only now. The representative indicated that the account would be noted, but was otherwise vague as to what would happen regarding my old account apart from reference to a " ticket. '' There was no indication how an account with no actual outstanding payments or obligations would go " live '' insofar as debt owed, and why that was not vetted before referral to a debt collector.
03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember
In XX/XX/2017, I switched phone companies from XXXX to XXXX. XXXX has a switcher or buyback program where they will buy you out the phone up to a certain amount. I spoke with a representative from XXXX at XXXX XXXX as to how long it will take to pay the whole bill off before it reflects on my credit and she told me 6 months. When I was doing the switch for my wife & I, we have to give XXXX both phones, which we did, in order for the switcher program to proceed. They sent one box to my house and as instructed by XXXX ( a worker at the XXXX store ), I put both phones in the box then a week later a second box was received. Up to this day, I've been still trying to resolve receiving credit for the second phone that was traded in and because of that, XXXX has still not paid for the second phone from XXXX. XXXX, in 2 months, sent the bill to a debt collector where I tried to dispute it and they were rude and told me it would affect my credit badly if i didn't pay it and when I do pay it, it would come off my credit ( which i found not to be true anyways ).
03/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	UT 84041	Web
So, my wife and I have had our credit pulled to get pre-approved for a new home. Was informed there was some medical collections that needed ot be paid before we do that. I called and tried to negotiate they ( I.C systems ) told me it was in collections for too long and we had to pay in full amount and would not settle. This was XX/XX/2022 I paid in full to all three acounts .... After I paid, I started working with a credit repair gentleman and he asked if I had already paid the accounts on there, I said yes and he said well you shouldn't have because it was reported fraudulent and should have never been put back on your credit .... Said it is fraud because they lied to you saying you owed when it was too old to be collected. I was speaking to a lady from I.C. Systems. Which last year, with my entire tax return, I paid off more medical debt in collections and it is still reporting on there... After they told me it would only take 30-45 days to get off my credit. And still reporting on there and hurting mine and my wife 's credit still to this day.
03/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43068	Web
I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Have had an old satisfied debt from XXXX XXXX XXXX in the amount of {$300.00}, which was an old debt that was satisfied when I CANCELLED my pet insurance with XXXX back in XX/XX/XXXX. At the time of the debt I only owed for 2 months pet insurance of {$78.00} which I had paid when I closed the account! I have received zero communications from XXXX XXXX XXXX since, and then suddenly in XX/XX/XXXX, I began receiving notifications from IC SYstems about this debt to XXXX and of {$300.00}, which is more than DOUBLE what I originally owed. I have contacted this company twice in XX/XX/XXXX that I do not owe this debt, yet it keeps showing up under my credit. Previous to IC SYStems, it was under First Credit. I disputed this same account then, and it was dropped. I do not know what else to do, but this debt is old, was sufficiently paid off in XX/XX/XXXX - and beyond 7 years from when I originally owed XXXX XXXX XXXX. These companies seem to buy old debt that have since been written off. XXXX XXXX
08/18/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 07201	Web
A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed of my responsibility to pay an open collection of {$340.00}. There is also a closed collection that I never knew about, or closed for that matter. I recognize the name of the creditor, as he treated me when I was XXXX. At that point in time, I was completely XXXX. However, I was never made aware of this debt until viewing my credit report for the very first time. This egregious manner of handling an unpaid bill is downright unfair. Thankfully, I am now a healthy and proactive individual that would like to get his life truly started. I would like to have my first credit card, but I can not acquire anything but a secured credit card with my " collections '' on record. I have no problem when it comes to paying a bill, I 'd just like to be notified when a balance is due. It bears repeating that the manner in which I acquired this debt is nothing short of insidious.
01/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
To Whom It May Concern : I, XXXX XXXX cancelled my services with XXXX XXXX phone number XXXX in XXXX of 2019. That account is closed with a XXXX balance currently. I was contacted by IC systems a third party collector for XXXX XXXX in reference to an account opened in XXXX with a phone number ending XXXX. I am not aware of this account as I did not sign, authorize, or grant permission to anyone to open an account on my behalf. I am requesting IC systems to delete this error immediately from my credit reports. This account should not have been opened on my behalf without my signature and identification. The only contract I signed with XXXX was for phone number XXXX many years ago. That account is closed with a XXXX balance. IC systems or does not have any written authorization or current identification of myself authorizing a new account in XXXX of 2019 for phone number ending in XXXX. As this error violates my rights under the FCRA please delete it immediately from my credit report. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
09/24/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78758	Web
I just received TWO alerts from XXXX stating I have TWO new accounts in collections. I have no knowledge of either of these accounts, and want answers ASAP. They are for the exact same amount, but were placed a few days apart from each other. The company name is almost identical in both cases with the exception of Inc., which was added at the end of 1 of the entries. There is NO phone number or account number for me to call to inquire what this is all about. I will provide ALL of the info I was given below : IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX, MN collection IC SYSTEMS XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX New collection I.C. SYSTEM INC. XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX Thanks in advance for your time and assistance. I hope to hear back from you soon. Regards ... ... ...
01/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY XXXXX	Web
I received a bill months after a procedure for anesthesia from XXXX XXXX, after I paid upfront and was informed that the time went over and I had to pay more. So I made arrangement to make a few payments, however, there were numerous issues with staff due to Covid and the employees working from home and much confusion as to if I really did owe more, regardless, I made payment as I do not want any negative marks on my credit report and I made final payment of {$60.00} XX/XX/2020 and then was called and told that they made a mistake and I owed an additional {$70.00} which I paid on XX/XX/2020. I never heard from them again until this week I received a collections notice for {$50.00} out of nowhere. Why would they not contact me in over a year and all of a sudden just say I owe more money again? How many times will they do this? I never received any additional bills after the last payment of {$70.00} which I was told was final payment. I was told it was my final payment and I do not want to continue to have them state that I owe more when I do not.
08/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30052	Web
IC SYSTEMS INC PHONED ME ONCE SEVERAL MONTHS AGO IN AN ATTEMPT TO COLLECT A DEBT OWED TO XXXX PHONE COMPANY. I ASKED THE IC SYSTEMS REPRESENTATIVE TO SEND ME A VERIFICATION OF THE DEBT AND TO ONLY CONTACT ME VIA WRITING. THEY NEVER PROVIDED ME WITH ANYTHING REGARDING THIS AND HAVE PLACED THIS ON MY CREDIT FILE AS A COLLECTION ACCOUNT. TODAY XX/XX/2019 I WAS CONTACTED BY AN XXXX XXXX XXXX REGARDING THIS AND WAS TOLD THAT THEY HAD RECEIVED MY FILE. I ASKED THEM TO SEND ME A VERIFICATION OF THIS DEBT AND WAS PROMISED TO RECEIVE THIS IN 7-10 DAYS. I WILL MAKE ARRANGEMENTS WITH THEM IS EVERYTHING IS ACCURATE AND VERIFIED BUT IC SYSTEMS HAS BEEN WILLFULLY NEGLIGENT IN THEIR REPORTING AND COLLECTION PRACTICES. UNDER SECTION 616 AND 617 OF THE FCRA THIS COULD LEAD TO MONETARY DAMAGES TO THEIR AGENCY. I AM REQUESTING THIS INFORMATION BE REMOVED FROM MY CREDIT FILE AS I HAVE NOT BEEN UNWILLING TO PAY THIS I JUST HAVE NOT RECEIVED ANY VERIFICATION AS REQUIRED BY LAW WHEN REQUESTED. IC SYSTEMS CONTACT INFO IS XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX XXXX
02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web
I disputed this debt with I.C. System Collections with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/XXXX and has yet to respond to my request. 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. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web
Please note that on XX/XX/2022, I opened CFBP complaint # XXXX. On XX/XX/2022 I also sent certified mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX which was delivered XXXX XX/XX/2022. I asked them for the following : 1. ) Evidence and authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter 2. ) Authorization of law for collection of information 3. ) Authorization of law to collect for this alleged debt 4. ) Send ALL of the dollowing evidence to do business or operate in the state of FL 5 ) Provide proof of the alleged debt including specifically the alleged contract or other documents bearing my WET signature. Please note it is way beyond 15 days, almost one year yet they have continued to harass me via mail and have yet to furnish ALL I requested above therefore this matter should be permanently closed and all reporting to bureaus should be ceased. Failure to do so I will seek immediate legal action against you for continuing to report false and inaccurate information on my report. Please conduct yourself accordingly
12/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27603	Web
I sent a letter to I.C. Systems on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, this debt, which I told them to send back to the original creditor, remains on my credit report in violation of federal law. XXXX XXXX Account # XXXX XXXXXXXX, XXXX
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72032	Web
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 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. XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS XXXX XXXX XXXX XXXX {$750.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX L Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, 2022 I.C. SYSTEM, INC Account # XXXX Original creditor : XXXX XXXXXXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, 2022 MXXXX XXXX XXXXL Account # XXXX Original creditor : XXXX XXXX XXXX XXXXXXXXI {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 2022
06/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84092	Web	Servicemember
A debt collection company, I C Systems Inc., is reporting 33+- collection accounts on my credit reports. I have disputed them with the credit agencies. I C Systems removed some of the reports but has not removed the XXXX. I called I C Systems and requested proof of the debt from them. They told me I needed to request the information via mail. On XXXX XXXX 2017 I sent a letter requesting the proof of debt to I C Systems. I have followed up with I C Systems multiple times and have received no response from them. I have not received the proof of debt and do not believe it is my debt. I am asking you to please contact them on my behalf and have them either send the requested proof or remove the information from my credit reports. It has been more than 60 days since I requested the information. Their lack of response should be enough to have the information removed from my report. I have attached with this complaint copies of my credit report showing the wrong entries as well as my letter to them. I have redacted any personal information. Thank you
02/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30082	Web
My credit report is showing I owe, two separate balances, to XXXX XXXX XXXX. The two amounts showing owed are for {$510.00} and {$630.00}. At the time of receiving medical attention, in XX/XX/XXXX, at XXXX XXXX, I was under the impression that my insurance would be covering 100 % of my medical expenses. At the time of my visit, I was informed by XXXX XXXX, that my insurance was accepted and I did not need to come out of pocket for any expenses. I am just now, in XX/XX/XXXX, becoming aware of my insurance not being accepted by XXXX. Shortly after my visit to XXXX, I went through a divorce, became unemployed and relocated out of state. I recently looked into repairing my credit and became aware of these accounts. When I contacted XXXX, I was told that these accounts were too old for me to dispute. I was never even notified of the debt, nor given information about being able to dispute the debt. I also requested to apply for financial assistance, but was denied. These accounts have reached the statute of limitations in the state of Utah.
09/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30024	Web
I visited my doctor at XXXX for my regular checkup and as suggested did lab work at doctor 's office. This lab work is sent to XXXX labs for study. The XXXX related expenses are dealt by insurance and doctor 's office. The XXXX labs should have Forwarded the insurance bill to my insurance company and any thing from there should have been dealt by my Insurance and Doctor 's office. Instead they kept sending to me which i thought was already taken care by Insurance. They moved this amount to collections impacting my credit very bady and without my knowledge. When i got to know about this i did call up XXXX on several occasions and each time they misguided me and said Doctor 's office is responsible. This continued long when i brought this to my Doctor 's office they said to deal with XXXX. Only when i narrated this incident to my Doctor then the doctor 's office found out that mistake was from XXXX. I want correct reporting back of my Credit score and also would like to register a complaint against XXXX and their practices in billing matters
04/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 296XX	Web	Servicemember
In 2019 I got married and moved from XXXX SC to XXXX SC. I paid everything that I owed XXXX and closed my account. After the move I was contacted by XXXX about equipment and I asked for a return label and was provided one. I took all of the equipment that belonged to XXXX to the XXXX Store in XXXX SC and returned it as directed. AFTER all of the equipment was returned to XXXX they then charged me for the equipment, " NOT BEFORE " or did they even mention a charge until after the return was made. I refused to pay for equipment that I had already returned and they turned me into a collection agency and it has negatively effected my credit report in which is otherwise perfect. I have tried to call XXXX to discuss this issue and they will not take my call because " I do not have an active account " with them. I have contacted IC Systems Collections and explained and " it has been disputed " with them. I have also " disputed " this with XXXX without any results. Please stop XXXX from negatively effecting my credit report without due cause.
08/10/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33563	Web
On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' I.C.System Inc. '' a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.
02/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34711	Web
IC System Inc XXXX has two collections reporting on my credit, each is for the identical amount of {$180.00}, reference number XXXX, they said they received this information from XXXX XXXX XXXX XXXX XXXX in realation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of service they report are XX/XX/2017 and XX/XX/2017, I have contacted both providers and confirmed that I don't owe them any money, IC systmem told me to contact XXXX XXXX which I did with a conference call joined by IC systmem, they said I have to provide proof these are paid and I don't have proof because the bills were paid as I received them, I asked them to call the providers to confirm that I don't owe them money and they insist I have to provide proof which again I dont have other than the fact that I don't owe these providers any money. This is causing my credit score to suffer and I'm trying to purchase a home, seems unfair that they say I have to pay this if I can't provide proof yet they will not contact the providers to confirm I don't owe money
09/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR XXXXX	Web
I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX XXXX points.
03/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ND 58801	Web
XXXX sent a notice to IC Systems to collect payment from me. IC Systems notified me that they will have to report to consumer report on XX/XX/20. The date of call was XX/XX/20. I explained to IC Systems that I never had active service with XXXX and I asked them to look at the system as this is easy to verify. IC Systems verified with me that I used 0 mins, 0 gb of data, and 0 inbound/outbound, from the creation of this account. I was sent 2 sims that never worked back in XXXX, the day after I received the sims, I contacted XXXX to let me know that the service didnt work in my area. I was told on that day that I would receive a {$0.00} balance on this account and it would be closed because I never actually used the service. Now 2 months later Im being threatened and seemingly pressured into paying for something I obviously never used. I will attach pictures with this complaint. Please notice the dates as XXXX seemingly has a policy in place to create unfair billing practices. They obviously dont abide by their own dispute policy as well.
08/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17268	Web	Older American
I checked my credit report and found a unpaid debt for XXXX XXXX posted in my report. This action was done by I C Systems debt collection. I called and explained it was not my debt. During that conversation, actually 3, I found this debt belonged to my son who lives at a different address and apparently subscribed to XXXX XXXX. They told me to call XXXX XXXX to fix this problem, I did. XXXX XXXX told me they gave the collection company the correct information and they used a practice called " skip tracing '' and that collection company would have to correct it. I called I C Systems back and they refused to correct this error and remove the debt posting from my credit report. I C Systems phone XXXX XXXX XXXX XXXX Spoke with XXXX employee XXXX. They reference is report XXXX XXXX XXXX and account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I spoke to XXXX in Texas. The XXXX XXXX account number is XXXX. The account is in the name of XXXX XXXX XXXX. They posted to my credit report for XXXX XXXX XXXX My contact is ph. XXXX XXXX XXXX, email XXXX XXXX
01/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49426	Web
On XX/XX/2022 I was notified by my credit card company that my credit limit for one of my credit cards was basically cut in half of what I was approved for. In looking at my credit report, there is an account in collections named I.C. SYSTEM, INC who has never attempted to contact me because this debt is not mine. My credit report shows that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$1700.00} of which I have never had an account with XXXX XXXX XXXX XXXX of {$1700.00}. My understanding is that XXXX XXXX XXXX XXXX is the the wireless carrier side of XXXX XXXX XXXX. I have always had XXXX XXXX as my mobile carrier. These charges are NOT mine and I believe that I have been a victim of fraud or identity theft. No one from XXXX XXXX XXXX XXXX or I.C. SYSTEM, INC has ever tried to contact me to resolve the debt BECAUSE IT IS NOT MINE! I attempted to dispute this account via XXXX and they came back within a day ( after stating that it may take up to 30 ) that the account is mine. This is 100 % completely false!
05/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28269	Web
I have a a unverified account from I C Systems Collections # XXXX . I had previously disputed this account. I have never done business with I C Systems Collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I C Systems Collections # XXXX **** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C Systems Collections Cease and Desist all further communications and collection actives and provide the verification of the purpo rted debt.
12/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 076XX	Web
In the beginning XX/XX/2020 I received a notification on my credit report of a collections debt from IC System. I didn't know what the debt was about because I did not receive any mail pertaining to this. I called and was told it was from XXXX bill owed. I have never had a XXXX account and know nothing of this debt. I proceeded to write a letter on XX/XX/XXXX and sent via certified mail to ask them to verify the debt and explained to them I do not have an account number because I was never given a letter. They wrote me back saying they needed an account number to verify the debt and that the account number can be found on their website. I was able to obtain the account number and sent another letter on XX/XX/XXXX with their letter and my original letter as requested by them via certified mail and again asked them to verify the debt within 30 days and if not to delete this off my credit. They received the letter on XX/XX/XXXX and to date I have not received a verification of the debt and it has not been removed from my credit report.
06/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ND 582XX	Web	Servicemember
As a US service member I had froze my XXXX XXXX Account when I received orders to be stationed overseas in XXXX XXXX . When I returned to th e U.S. in XXXX I re-activated my XXXX XXXX Account, and a few months later I purchased a new cell phone with them. When I purchased my new phone in XXXX I updated my billing/address information with the sales attendant in XXXX 's XXXX , CO store. In XXXX I switched carriers to XXXX , taking my XXXX phone number with me. Unknown to me, I had a {$73.00} balance left on my XXXX XXXX account. XXXX only attempted to notify me of this balance by mail and they used my old overseas mailing address. The only time I was called about this balance was when it had already gone to collections and subsequently it ended up on my credit report. XXXX did not use my updated U.S. ad dress nor did they attempt to call me on the phone number that they knew I took with me to reach me about this balance. Only the collections agency ( IC System ) used my phone number to reach me.
09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	OR XXXXX	Web
I lifted the freeze on my credit for a period of 48 hours, during which time IC Systems, who has been trolling my credit by making repeated soft inquiries, placed a collection that has already been resolved and was the result of Identity Theft. IC Systems has placed a collection on my credit file for XXXX. This account was fraudulently opened by an individual, XXXX XXXX XXXX SSN XXXX. Previous attempts to collect this account were removed from my credit file you XXXX, XXXX and XXXX by disputes with them and through CPFB, XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 XXXX, removed XX/XX/2016 IC Systems has been physing my credit file, making repeated soft iquiries through the reporting bureaus. This account is fraudulent and is the result of identity theft and use of my identity to obtain services. IC Systems had damaged my credit by attempting to collect a debt that has already been deemed fraudulent, they have damaged my credit score and damaged my good credit rating which has refuted in a credit score drop of XXXX points.
07/01/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36575	Web
After reviewing my credit report and noticing inaccurate information I sent a certified letter to IC System dated XX/XX/20 requesting that the company validate the reported {$360.00} debt. I received a response letter from IC System dated XX/XX/20, advising that they had investigated the information that was provided to the credit bureau and stated that they had been unable to verify the information reported to the credit bureau. Therefore, they had requested that any information provided to the credit bureau regarding the account be deleted or removed. The letter then explained that I may wish to review my credit report to ensure that the information has been properly updated. However, the letter then stated that the attempts to verify the debt would continue and gave me 30 days to dispute the validity of the debt. Based on the document that they provided, they have now given me a new account number for the very same debt. I need a resolution to resolve this matter and would like to file an official complaint against the company.
05/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43229	Web
I C SYSTEMS COLLECTIONS # XXXXI have a a unverified account from I C SYSTEMS COLLECTIONS. I had previously disputed this account. I have never done business withI C SYSTEMS COLLECTIONS Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
07/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
I FILED A CFPB REPORT ABOUT 2 MONTHS AGO IN REGARDS TO AN ALLEGED DEBT THAT IS REPORTING ON MY COSUMER REPORTS. I SENT THE COMPANY A CEASE & DESIST AND ALSO REQUESTED A DEBT VALIDATION. ITS BEEN 2 MONTHS AND I HAVE NOT RECEIVED A DEBT VALIDATION THE ONLY THING THE COMPANY SENT ME WAS DECEPTIVE FORMS IN A FORM OIF STATEMENTS MADE TO MAKE ME BELIEVE AS THE ORIGINAL CREDITOR THAT I ACTUALLY OWE A DEBT. BILL STATEMENTS IS NOT A FORM OF VALIDATION UNDER TEH FDCPA LAWS. VERIFICATION AND VALIDATION ARE TWO DIFFERENT THINGS, I HAVE SEEN SEVERAL VIOLATIONS SUCH AS THE COMPANY PRINTING THEIR LOGO ON THE LETTER WHICH IS A VIOLATION UNDER THE FDCPA. IF THIS ISSUE DOESNT GET RESOLVED WITHIN 14 DAYS I WILL BE SENDING THE COMPANY AN INVOIVCE FOR ALL THE VIOLATIONS I FOUND AND I WILL ALSO BE SUING FOR DAMAGES AND THE EMOTIONAL STRESS THIS ISSUE HAS CAUSED ME, WE CAN DO THIS THE EASY WAY OR THE HARD WAY REGARDLESS THE LAW IS ON MY SIDE AS THE ORIGINAL CREDIOR ONLY I CAN VALIDATE A DEBT PURSUANT TO 15YSC 1692G AND I DONT VALIDATE THIS ALLEDGED DEBT,
06/05/2020	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	MI 480XX	Web	Servicemember
On XXXX XXXX I contacted XXXX in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.
01/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 900XX	Web
I moved out of my unit inXX/XX/XXXXXX/XX/XXXX when a friend joined the lease and took over the unit. I paid the wifi bill to XXXX for XX/XX/XXXX and XX/XX/XXXX even after I moved out and my friend assured me that he changed the bill over into his name. I preceded to leave the country and the following year when I came back through town I discovered that he didn't change the bill into his name until XX/XX/XXXX therefore leaving unpaid bills in my name for XX/XX/XXXX and XX/XX/XXXX totaling {$110.00}. As a conservationist I always request paperless statements from companies to lower my carbon footprint. Had XXXX honored my requests, I would have received an email stating that I unpaid bills and notifying me that the bill was in fact not changed over into the new tenants name. I was denied a car loan today because of this small {$110.00} bill that I have no problem paying but I do not want a bill that isn't mine to stay on my credit report for 7 years and affect my score and capacity to buy a car. The collection agency is called ICS.
11/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33309	Web
My bank notified me of a major derogatory activity on my credit on XX/XX/2021, that's how I realized that there was a company charging a debt against me ( I.C. System, INC. ) I called them and they said that said I owed {$120.00} for a procedure done at the XXXX XXXX XXXX XXXX in XXXX in XX/XX/2021. I called the XXXX and they apologized saying that this bill was paid by my wife on XX/XX/2021 and that they advised the debt collection company IC System that this bill was already paid but this company, IC System did not withdraw the billing and reported to the credit bureau that I still owed this account, irresponsibly damaging my credit. I called I.C. System asking for an explanation for continuing to have it on their system as a debtor. An IC employee told me over the phone that there was a duplication of my case and that the system was improperly charging the same debit from XXXX. They did not offer me any resolution regarding the wrongful collection and the recovery of the points lost in my credit due to neglect of the company.
08/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89117	Web
ATTENTION TO IC SYSTEMS ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$940.00} does not belong to me. This account was fraudulently opened through this company IC SYSTEMS ( XXXX XXXX XXXX ) in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
08/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29506	Web
This company I.C System which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding phone bills that I possess, and I am seeking the name and address of the company to which I owe the debt and a detailed breakdown of the fees that I owe. * Cease any credit bureau reporting until the debt has been validated by me.
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Web	Servicemember
XXXX XXXX XXXX is trying to collect money from me that I dont owe. I open up a business account I was told I had 7 days to return the phone if I decided to close the account the only thing I would be charged would be a restock of {$5000.00} for the phone. After thoroughly thinking I decided to return the phone and end the contract within the timeframe they gave me..I was charged the {$50.00} restock fee. I thought everything was over. I started getting letters that I owed over {$300.00}. I was shocked because I never made a phone call on the phone.I called and the representative told me where he saw that I returned the phone in the timeframe allowed and saw my {$5000.00} restock fee. I was even told they would have never accepted the {$50.00} restock fee if I didnt return the phone and cancel the contract within the timeframe. I was happy to her that. The representative said he will notate and I shouldnt get anymore letters concerning this. Well now I have a letter from a collection agency stating I owe XXXX XXXX XXXX {$300.00}.
01/14/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 77471	Web
This new collection account is being collected from a previously removed debt for a balance I do not owe and disputed. I disputed this debt prior to the collection agency reporting it to my credit and requested validation. They did not provide validation and reported it to my credit and only when I disputed with credit bureaus was the dispute honored. I do not owe this debt I have disputed it since being contacted by the original creditor and have maintained XXXX responsibility of the debt since day XXXX. This debt collection continues to try and basically extort the balance by holding my credit hostage with negative credit ratings. This item was removed from my credit previously and should be removed and remain off my credit in a disputed status as I am not responsible for the debt as there was never any exchange of goods or services. This collection agency is also collecting on a debt that is also being handled by an attorney based on the previous agency so the debt is being collected on XXXX and handled by multiple parties.
12/20/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77396	Web
I received mail saying I had an past due bill for an XX/XX/XXXX account but everytime I attempted to call IC SYSTEMS, inc ( the debt collection agency ) to dispute they never answered the phone. To dispute via their website, I would need to have a bureau investigation number, but the fact that this is NOT my account I dont know what it is. I decided to wait for it to hit my XX/XX/XXXX app then dispute it. Ive been disputing for over 3 months and nothing at all. Ive dispute even through my chase app and I believe IC systems is trashing ever dispute entered without reading it. Someone opened some type of cable bill/phone bill and stopped paying it in XXXX of this month. This account was never on my credit UNTIL the XXXX month meaning someone slapped my name and address on it and they accepted without rulos le checking. I want proof that I opened this account with signatures and dates. Its said how some debt collector workers get paid commission over something that literally can effect someones livelihood without double checking.
11/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 73034	Web	Servicemember
I have two collections reported on my credit history. Both in the amount of {$670.00} and from XXXX. I have twice contacted ic systems about verifying the accounts. The first time, in XXXX I received a letter stating that they could not verify the accounts and would stop reporting them. They did not stop reporting them. I sent another verification request in XX/XX/XXXX, I received a response stating that they can not respond because they need further information to include a reference number from previous correspondence ( I have never received any correspondence except from the above stated instance and that letter had no reference number. ) they also asked the name of the creditor, and any phone number they have used to contact me. They have never called me, and I dont have the name of the creditor. So they are reporting to my credit after stating they couldnt verify my debt, they dont know who the creditor is to this unverified debt, and are asking for a reference number I have never received for a debt they can not verify.
03/28/2017	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 78229	Web
I have a XXXX account in collections that i continue to pay on and been making small payments twice a month but in the month of XX/XX/XXXX i made payment on XX/XX/XXXX then next payment that i made was XX/XX/XXXX within 30 days.on XX/XX/XXXX th to XX/XX/XXXX my account was reported to the credit bureau with the balance of {$420.00} which was minus pymt on XX/XX/XXXX.i called to see why it was reported before 30 days and the representative was very rude about it and i asked for a manager n it took a while for him to agree to get me one.when manager came on board she adviced me its their discretion when to report my account even though i made a payment 3 days before.she was as rude about it as her representative.Im trying to fix my credit and was not happy to see it in my report which affected my score n making it harder for anything been approved, this is my debt and i have not refused to pay it as i was doing it i just want it to be removed from my credit report and have better representatives who are not as rude at ICSYSTEMS
03/26/2023	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	IA 504XX	Web
I was a patron of XXXX XXXX years ago. The service was terrible, so I paid off my account and ported my number to another service provider in XXXX. I went to the XXXX XXXX Office, told the associates I wanted to port my number to another provider. They checked my account to make sure I didn't owe a balance. ( You can only port if you don't owe a balance on your account! ) Then they called the new service provider to give them the port code. They were supposed to give me a XXXX dollar gift card for turning in my XXXX, as well as over XXXX bucks in rebated fees for the poor service, never received any of it. I called and called. That should have been the end of my business with XXXX XXXX, months later they tried to bully me into paying them more money for a bill I didn't owe. I don't know who this I.C. System Company is? How can these people put anything on my credit bureau, I have not heard of them or done business with them ever! They need to remove their record from my report, they know absolutely nothing about this ordeal!
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 442XX	Web
On XX/XX/XXXX of XXXX a {$120.00} charge from a company/organization called " IC System '' was placed on my credit report in the collections category. I've attempted to reach out to this organization to get more information on the actual debt, but did not receive a response to any of my contacts. In addition to this, I wasn't notified of this debt prior to it being placed on my record. In XXXX of XXXX I was finally able to find the source of the debt when I submitted a dispute to XXXX. XXXX ( the internet provider ) placed a {$120.00} collections from my account that is up-to-date on payments and was just recently closed out. I reached out to XXXX in an attempt clear up the issue, but the representatives that I spoke with were unable to locate the {$120.00} charge that is supposedly owed. I am a XXXX XXXX who is already having credit troubles due to changes in my family 's financials and something like this makes it impossible to secure leading to continue my schooling. I appreciate any and all help that the CFPB can offer.
07/28/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 43081	Web
I just filed a complaint with I.C. System, Inc. on XX/XX/XXXX to XXXX XXXX for their illegal way of collecting a debt. I acknowledged how they never called me and they never sent anything in writing to me yet they placed three negative marks on my credit ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also indicated in complaint # XXXX for this company to NOT call me, but to send the debt information in writing so that I could verify the debt, and pay it if valid. I received a call on XX/XX/XXXX at XXXX from this company. I couldn't answer at the time, but called back at XXXX and verified it was this company. I stressed how I told them NOT to call me, but to send everything in writing. I am unsure who this company is, but blatantly ignoring codes/ rules and consumer 's preference of no call, but send letter is COMPLETELY UNACCEPTABLE. I will continue filing to notify XXXX XXXX about the unethical business practices of this company as this needs to be brought to your attention. I am not ok with what is currently taking place.
10/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MO 655XX	Web	Servicemember
I have been dealing with I C SYSTEM COLLECTIONS for this debt of {$200.00} I asked them to validate this and they never sent me any information and because they couldn't validate they removed this collection from my credit report. This account is three years old according to them. After they removed this item it stayed off my credit report for about a year then they just placed it back on there as a brand new account as of XXXX 2020. They never sent me a letter stating they were putting this item back on my credit report. They are the original creditor that removed it originally. I was never given a proper written notice to dispute this debt or notice that it was going back on my credit report. I called and spoke with a supervisor about this and they refused to do anything about it. I asked to speak with someone above him and was given a name of someone but they refused to give me a phone number stated I could only write in to resolve this. Contact # XXXX IC System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX
09/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48603	Web
Im having a problem with I.C. System INC they are a debt collector for XXXX communications. They are saying I owe XXXX the Information was updated XXXX. Theyve put 3 derogatory remarks on my XXXX credit report for the same account. Ive had this same issue with a different collection agency for XXXX for the same XXXX owed to them but this was on my XXXX report. I spoke with XXXX and disputed on my XXXX and the account was removed from my XXXX. Now 5-6 months later its a different debt collector and a different credit report. And everyone knows you cant call and speak with anyone at XXXX. I called i.c. System inc and told them I have a letter from XXXX and the account does not belong to me the account belongs to a guy named XXXX my name is XXXX these are 2 different names! The address that this account is linked to Ive never lived at! I also currently have a open XXXX account in good standing, and Ive had this account open for years. They do not care! They told me to contact XXXX about this account. And hung up on me!
07/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
Incorrect Derogatory Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. IC System is now knowingly, willfully, and recklessly violating my FCRA rights by reporting an incorrect, invalid debt and collection account. The information reported is derogatory, and affects my ability to obtain proper credit, and defames my character. I have attempted to remedy the invalid, incorrect reporting myself however, IC System refuses to remove it as evidenced by the documents included in this complaint. USPS Certified Signature Required Letter : XXXX, USPS reports " Your item was delivered at XXXX XXXX on XX/XX/2020 in XXXX XXXX, MN XXXX to IC SYSTEMS MISC. The item was signed for by XXXX XXXX. '' Document received XX/XX/2020 USPS regular mail in response from IC System dated XX/XX/2020 labeled " ACCOUNT VALIDATION '' does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. This is not my debt. IC Systems is incorrect in it's reporting of this adverse information.
03/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web	Servicemember
We have XXXX in our home. When they installed it, it did not work right. We kept having connectivity issues. We contacted them several times. They checked things on their end, but took their time correcting it. During that time, we told them we want the service, but it has to work right. They understood, and eventually got someone out to our home to confirm that they aligned the dish " wrong '' and that was the cause of all of our months of issues. Now, we are applying for a new home loan, and this comes up! We did not know it went to collections as well. This is totally WRONG. XXXX admitted their installation error ( " ... it was a Level 1 Technician ... '' ), and waived the equipment charge. They also admitted that they shouldn't have billed us for this in light of the issues at hand. NOW I have learned that IC System Inc XXXX Collection XX/XX/2016 {$220.00} is related to the XXXX error. Our bills are paid up. This collection reference is bogus, and should be immediately removed. XXXX will confirm we are paid as agreed.
01/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 079XX	Web
I had a medical procedure at XXXX XXXX XXXX XXXX on XX/XX/2021. Before the XXXX I made a payment of XXXX ( page XXXX of the first pdf file ) for the expected coinsurance. After the claim was processed, my coinsurance turned out to be XXXX ( page XXXX of the first pdf file ) The hospital sent me a bill for the remainder of the balance of XXXX ( page XXXX of the first pdf file ), which I paid on XX/XX/2021 ( page XXXX of the first pdf file ) Later there were adjustments made to the claim and the final coinsurance due from me was reduced from XXXX to XXXX. ( page XXXX of the first pdf file ). However, XXXX XXXX XXXX XXXX instead of refunding the overpaid amount, send me another bill for XXXX. I sent them a detailed explanation which they ignored and sent XXXX to XXXX collection agencies. In the second pdf file there is a transcript of my correspondence with the health insurer ( XXXX XXXX ) who confirmed that the amount that I owe for this procedure is XXXX and since I already paid XXXX, the hospital owes me a refund.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63136	Web
I was recently checking my credit report and noticed, IC System has been reporting to my credit report inaccurate and unvalidated information. They were not able to provide me with any documentation or application with my signature proving I owe this debt to IC System. I reached out to IC System, requesting validation for the alleged debt. IC System response was for me to reach out to the original creditor " XXXX ''. When I called XXXX, they were not able to locate an account for me and advised me to contact the IC System, informing them to remove the negative account from my credit report. If IC Systems purchased this alleged debt, they're claiming I owe, this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this account within 14 days prior and I was not notified. I can validate this debt. I do not validate this debt. Under 15 U.S.C. 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt, this account is in violation.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90020	Web
Hello, My name is XXXX XXXX XXXX and I've got a notification from XXXX saying that I have a collection item on XX/XX/ so I contacted a collection company called " I.C. SYSTEM, INC " Also Original creditor : XXXX XXXX immediately to determine what's going on. When I called them, They didn't supply me enough about and keep telling me that how would like to pay and what type of payment am I paying so I told that person that I want to know what kind of collection that I have and They told me you have unpaid account from XXXX XXXX so I told them I never had a XXXX XXXXXXXX before and they told me maybe a Internet provider which I've been using Spectrum internet service more than 10 years now with great account status so I would like to make an official statement with my collection item from I.C. SYSTEM, INC which is I strongly believe that this information is incorrect and does not belong to me so I am requesting to start an investigation more deeply so that I will not be a victim of identity theft or misleading information.
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35806	Web
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
03/10/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 11209	Web
IC Systems collection agency has been harassing multiple family members ( including my brother, and elderly father ) on many occasions. On one occasion my father was with me and passed me the phone, i explained to the gentlemen on the phone that the number he is calling is not mine and my fathers and to stop calling it and he hung up on me. I called again, and spoke to a women who said they would take my fathers number off file. They still call my father almost everyday. Harassing an elderly man for no reason, demanding him to put me on the phone to speak with them. I have also on more then one occasion told this company not to call me anymore or send letters, since they wished not to settle an amount with me. I explained if they didn't wish to settle then there is no reason to keep calling me. They send letters to my house every single week. It absolutely insane. I called once from my work phone to speak to someone about settling and now they call my work phone! So unprofessional, this is beyond the point of harassment.
12/07/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web	Servicemember
I am writing to formally submit a complaint against IC System Inc. concerning their collection efforts on behalf of XXXX XXXX XXXX. The issue stems from persistent attempts to collect an alleged debt of {$1200.00}. Despite my request for verification, IC System Inc. has failed to provide adequate documentation supporting the validity of the claimed amount. Their collection tactics have been aggressive and may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), causing undue stress. Furthermore, IC System Inc. has not furnished a detailed breakdown of the alleged debt, including dates and charges. I kindly request the Consumer Financial Protection Bureau to investigate IC System Inc. 's actions, seeking resolution through verification of the debt, cessation of aggressive tactics, and provision of a detailed breakdown. I refrain from providing personal information in accordance with CFPB guidelines but am willing to furnish necessary details upon request. I appreciate your prompt attention to this matter.
10/15/2020	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	PA 19150	Web
There is a derogatory account from XXXX XXXX XXXX appearing on my credit report. My last payment on this account was in XXXX of XXXX, as that is when I switched to XXXX, which I have to date. XXXX XXXX XXXX has since sold my debt to IC System. They state that the account was recently opened on XX/XX/XXXX which is FALSE. Im guessing that is when IC Systems acquired the debt. It has now been 7 years since the last date of activity on the XXXX XXXX XXXX account. This debt should no longer be appearing on my credit report. IC systems has fraudulently stated Affected by natural disaster in the remarks section, as well as listed incorrect date the debt was opened. I am requesting that XXXX XXXX XXXX provide the signature page stating when the account was actually opened. IC Systems has blatantly provided false information to the credit bureaus in a gross and dishonest attempt to collect a debt that is now aged past 7 years. I would like this derogatory item removed from my credit report and a written apology from IC Systems.
01/16/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08610	Web
I found a medical debt on my credit report and called the collection agency in charge of my debt, I.C. System Inc. I had to call several times over the course of the week before I was finally provided information on my account. I was told that my account was sent to a lawyer, which was never disclosed to me. I was given a phone number ( which turned out to be a cell phone ) and a name, along with an account number. From that point, I attempted to contact the said lawyer. I called and called and always get sent to a " ghost '' voicemail. I never receive a call back. When I called I.C. Sytems to explain the issue and my desire to settle this debt, the only information they were able to give me was the same information I already have. I am a consumer making a strong attempt to settle a debt that no one has information on. This debt effects my credit score every single month. I am tired of the company shrugging their shoulders at me. I would like to settle my debt to better my credit score so I can buy a home for my family.
01/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92802	Web
Dear Consumer Financial Protection Bureau, I am writing to report a problem with a debt that I have been told I owe. I have not been provided with enough information to verify that the debt is accurate, or to dispute it effectively. I have received communications from a debt collector stating that I owe a certain amount of money, but I have not been given any details about the origin of the debt or the transactions that led to it. Without this information, I am unable to determine if the debt is legitimate or if it has been accurately calculated. I have requested that the debt collector provide me with more information about the debt, but I have not received a satisfactory response. I am concerned that I XXXX be the victim of debt collection abuse or fraud, and I am seeking your assistance in resolving this matter. I would appreciate it if you could help me obtain the information that I need to verify or dispute this debt. Please let me know what steps I can take to address this issue. Thank you for your help.
11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 432XX	Web
I have a a unverified account fromI C SYSTEMS COLLECTIONS # XXXX. I had previously disputed this account. I have never done business with I C SYSTEMS COLLECTIONS. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I C SYSTEMS COLLECTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C SYSTEMS COLLECTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web	Servicemember
I formerly had phone service with XXXX and I was set up on automatic payments. They switched to XXXX without my consent and cut off my service so that I could not properly make and receive calls because I had a XXXX XXXX XXXX they continued to charge me for 6 additional months even though they communicated with me that my service was XXXX!! I decided to continue to use the phone as a wifi phone because I own the phone I paid cash for the phone they then illegally put a block on my XXXX number then charged me an additional {$110.00} and illegally submitted as a collection when its my position they actually owe me because they continued to automatically bill me when they had already XXXX my service! The only reason they stop illegally charging me is my debt card expired or I had to get a new debit card so the automatic charges stopped! XXXX put a collection on me despite having continue automatically bill me after THEY XXXX my service! Because they switched to XXXX I continued to be charged my XXXX without service!
02/08/2022	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 Problem with personal statement of dispute	MD 21042	Web	Older American
This complaint is related to XXXX prior complaints : XXXX & XXXX. XXXX claims that I owe them {$110.00} following cancellation of my service. I assert that XXXX charged me for a phone line that I did not request and that I did not use. XXXX can verify this from their own records however, they refuse to refund all of the overcharges due to their internal policies. In addition, XXXX unilaterally changed the " cancellation '' terms that I had agreed to when I signed a contract with them. Nonetheless, XXXX and/or their collection agencies has reported their alleged debt of {$110.00} XXXX times to credit agencies, each time having a meaningful effect on my credit rating. The dates that they reported the alleged debt are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XX/XX/XXXX. Thge amount of this alleged debt doesn't warrant a legal proceeding however XXXX continues to use their ability to disparage my credit rating without apparent consequence. In my opinion, the harassment is quite egregious and unwarranted.
05/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21014	Web
In XX/XX/2020 I learned that I.C System was reporting a debt of {$250.00} on my credit report. I immediately sent a certified letter to I.C Systems which was signed for by XXXX on XXXX XXXX of I.C Systems and the all 3 Credit Bureau 's requesting validation of debt per the Fair Debt Collection Practices Act. I.C System has not provided the validation and failed to send a response to my letter with the 30 day time frame per Fair Debt Collection Practices Act. XXXX & XXXX have removed the erroneous information from my credit report however XXXX has not and is stating their investigation has proven it be accurate information but is not providing the validation of debt either. At this point both companies are in violation of Fair Debt Collection Practices Act. I would greatly appreciate this matter being looked into as this negative information is adversely affecting my ability to obtain credit. XXXX XXXX Account # XXXX Ref # XXXX Appears on Credit Report as XXXX {$250.00} USPS Tracking # XXXX XXXX XXXX XXXX XXXX
10/11/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	FL 331XX	Web
I am writing to formally dispute the reporting of the charge-off status for the above-mentioned account on my credit report. I believe that the charge-off status as reported is inaccurate and not in compliance with applicable consumer protection laws. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is required that accurate and up-to-date information is reported on consumers ' credit reports. I understand the importance of maintaining accurate information, and I wish to ensure that my credit report reflects a true and accurate representation of my financial history. Furthermore, I would like to bring to your attention the Internal Revenue Service 's guidelines regarding charge-offs of debt. The IRS defines a charge-off as the creditor 's determination that the debt is uncollectible and is treating the debt as a loss or expense. This determination does not relieve me of my obligation to address the debt, but it does impact how the debt should be reported
10/24/2022	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 Problem with personal statement of dispute	CA 90802	Web
I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, 2022. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt. 2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt. Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY. As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.
09/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30101	Web
On XX/XX/2019, I.c. System inc reported a {$180.00} medical bill to XXXX claiming that I owe that debt. On XX/XX/2019, just a few days later, I.c. System inc reported the same amount again. On XX/XX/2019 and XX/XX/2019 I.c. System inc again reported the same {$180.00}. Now again on XX/XX/2019 and XX/XX/2019 I.c Systems Inc reported the same amount of {$180.00} yet again. They also reported the same debt to XXXX in XX/XX/2019 and XX/XX/2019 for the same {$180.00}. Upon speaking to I.c System inc they claimed that the debt was building interest and accumulating an amount because XXXX XXXX kept adding things to the bill. I informed them at that time that I do not own that debt nor do I know of them or the XXXX XXXX. I then requested for them to stop contacting me by phone or otherwise and to stop hitting my credit and to especially stop doing it multiple times. They have a robocall system that will contact you from different numbers. They are a complete and utter harassment. And what they are doing is illegal.
06/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43232	Web
I have a a unverified account from I C SYSTEM INC. I had previously disputed this account. I have never done business with I C SYSTEM INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt I C System INC purport I owe. I request that I C Systems INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C System lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
12/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 470XX	Web
We continue to receive calls from a 2010 alleged debt from XXXX for XXXX. We received a refund check from direct tv when our account was closed. We have received calls from several different collection agencies regarding this same issue. We have asked for substantiating documentation and have not received it from any of the calls that we have received. I have told each of them that this is harassment until they can provide documentation for their claim ... we are at out wits end with what to do ... We have excellent credit an pay what we owe ... We do NOT owe this and I am not paying but I cant seem to get the calls to stop ... currently the company calling us is IC System XXXX. XXXX XXXX XXXX XXXX MN XXXX phone XXXX claim no XXXX PLEASE HELP!! How can I file a harassment claim against this co who prob purchased what XXXX XXXX could not provide documentation for at pennies on the dollar and continue to sell it to other collection agencies that continue to harass us ... Any assistance would be greatly appreciated
07/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 230XX	Web	Older American
I cancelled XXXX XX/XX/XXXX. My final bill ( account number XXXX statement date XX/XX/XXXX ) showed I had an overpayment of {$30.00}. I returned the equipment in the box that they sent me using the US Postal Service in XX/XX/XXXX. I am now receiving collection action from ICSystem in the amount of {$280.00}. They told me this amount is partially for equipment and part unpaid bill. I know I don't owe any bill because I have the last statement showing that they owe me. I sent back all the equipment. I can not find the receipt from the post office. They told me all I can do is go online and tell them I want to dispute it so they can research it but the online forms makes me put in a date and tracking number and they know I don't have either and there is nowhere for me to show them that they say its for an unpaid bill but they owe me. I think they are taking advantage of me because I am a senior. Please help me. I do not owe them money, they owe me money. I attached my last bill and the collection bill. Thank you.
12/13/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 33178	Web	Older American
I moved to my apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. I called XXXX for internet, after that they called me telling me that theres a charge for {$300.00} for connection, and I said cancelled the order. They didnt want to cancell the order, but still for months send me bills after bills and i never used the service. I contact XXXX telling the story but cant do anything. Later I have for almost 5 years service with XXXX and im never late in my bills. The situation affect my credit that is perfect all my bills are paid on time. Im planing to buy a house but this is affecting me. I need the help of this agency cause nobody help. or many hire a lawyer but it is expensive. Im not going to pay for something I didnt used. I cancelled the order but the insisted and insisted. Horrible experience., like I said 5 years ago. Now a new company bought this account and they are putting this in my credti like something new. The name of this new company is IC SYSTEM INC. Thanks in advance for your help.
08/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 11236	Web	Older American
Last XXXX ( 2015 ) I order a hat from XXXX an online creditor.. phonr number, XXXXXXXXThe had that I received was the wrong type and size. I returned this product since last XXXX ( 2015 ) .To date XXXX is still charging me for the product. Since I refused to pay they had send my account to a collection agency. In addition, I usually order product from another online creditoe. XXXX. Approximately 2 weeks ago I had attempted to order products from XXXX. I had experienced prejudical treatment from XXXX staff. Eventually they took my order but, never approved it. About a week later, I called XXXX and was pushed around for almost one hour. Finally a supervisor from XXXX customer service, in a nasty tone of voice said that she had cancelled my XXXX account because my XXXX account was send to a collection agency. I should not be paying for any product that I did not have or received. In addition I shoild not be discriminated against because some staff members from XXXX have that authority to discriminate at will.
02/18/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 76901	Web
This was done at the time when I was on XXXX from XXXX XXXX only making XXXX an hour with no insurance and XXXX kids and a husband who could not find work the hospital put me on a " sliding scale '' so it was cheaper supposedly and I qualified for XXXX but they did not help me get on XXXX I applied 3 times for XXXX but it was always on a " pending '' status and then the time ran out and then it came back as declined!!! I was on food stamps for dying out loud but could not get approved for XXXX! I had an XXXX that required me to take care of it other wise I would XXXX the doctor gave me no option she said it was life threatening!! I applied and applied for XXXX but still got denied on low income and single income my family only had me to provide!!! This is not fair to me that I was doing the required steps to get this taken care of and this was at the time XXXX was just rolling out and it ended up messing with my credit and showing as a delinquency! I want this removed from my credit! This was not my fault!!
01/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32034	Web
I had a dispute with XXXX XXXX tv about canceling my service. When they charged my XXXX a 3rd month after I notified and had sevice stopped, I contacted XXXX and they investigated. XXXX then credited my account. I then received a collection letter from XXXX XXXX : XXXX had sent the {$170.00} to them and someone place a delinquent payment on my credit report. I paid Creedence the {$170.00} with my XXXX credit card on XX/XX/XXXX ... ... because I did not want to lower my credit score. In late XXXX, I contacted credit bureau and informed them this debt was paid. I check my credit report a few weeks later and it showed the debt was paid. On XX/XX/XXXX I received a letter from IC system saying I owed XXXX for the same account number as the one I paid before to XXXX On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX at XXXX EST. She maintained that this was still a debt owed after I informed her I already paid. She said they were going to " ruin " my credit if I did not immediately pay them {$120.00}
11/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92392	Web
The company in question is I C System of whom which is attempting to collect a debt for XXXX and XXXX. I have disputed these accounts with all credit reporting agencies ( XXXX, XXXX, XXXX ) as well as with the debt collector ( IC System ) directly asking them to verify the debt of which they have failed to do within the 30 day time frame given. One account XXXX XXXX ) was deleted from my credit file In XX/XX/2022 as the result of a dispute made with the credit reporting agencies, but as of recent the debt has reappeared on my credit file under a new debt collector named XXXX XXXX XXXX. It is my assumption that IC system has sold the debt to a third party in an attempt to keep the invalidated accounts on my credit file while avoiding having to verify the debt or be held accountable. As of XX/XX/2022 this new debt collection agency is now re-reporting this unverified debt that was deleted on my credit report! The other account in question ( XXXX ) still remains on my credit report unchanged and unverified.
04/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 31326	Web
There is a XXXX collection on my credit report, that i has no idea of until the collection was reported to the Credit Bureau. I was never contacted regarding this debt. If I was contacted there was never a message left requesting a return phone call. Therefore I was not aware this account needed my attention. I have contacted IC Systems in regards to this debt, and they stated an address that I have no lived at in 5 years. If I had been contacted about my address change I would have taken care of the situation. My correct address is listed on the report given by credit karma from CI Systems. I have still yet to receive a notice for this collection. The only reason I even know about this debt is through my credit karma credit report. I have attempted to go to their website to look over the debt I supposedly owe, but the company requires a reference number to the account which I do not have because I have never received a notice. I have no files to attach to this complaint due to never receiving a notice.
07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
Since I saw this complaint from XXXX/XXXX I started sending communications to them soliciting the removal of the adverse information. I request them to provide with original documentation or details about the amount showed as a debit. They never provide with that info. Later another company appears collecting the same debit for {$560.00}. I did return all of the equipment 's to the cable company. Regardless that fact. cable company still collecting those equipment 's after a couple of years of being returned. I did contact IC Systems as well, and every time I contacted them, they just said " verified '' and change the dates of account opened to the date I've contacted them. I have contacted them over 10 times with negative results. I would like to have an auditing company or someone from upper levels to take this into consideration. I would like to see original documents where shows amounts owed " according to them ''. I feel abused for this company IC Systems and completely ignored in my requests.
09/14/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NM 874XX	Web	Servicemember
I received several calls from a company called IC Systems. The calling telephone number was XXXX. The person calling contacted me on my hospital on-call telephone ( I 'm a doctor and was on call ). I asked what it was regarding and the person said " a personal business matter ''. I informed the caller that if this call was not pertaining to a medical emergency or related matter, that it would be inappropriate to use this number. The person ignored this and went on to ask me a barrage of rude and intrusive questions. I firmly asked the person not to contact me again. I then sent a letter to IC Systems address on the internet : I.C. System, INC. XXXX XXXX XXXX XXXX, MN XXXX One week later, I received another phone call from them. The same result. Two weeks later ( today ) I receive another call ( from a XXXX ) in the middle of my work day. They gave me no information about what they are calling about, and are rude, intrusive and demanding and, moreover, calling a restricted number for emergencies only.
04/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85032	Web
I received a notification from my XXXX account on XX/XX/XXXX that my score dropped due to a collection agency who purchased the debt from XXXX , attempting to collect a debt of {$420.00}. I do not have a contract or know who they are or why they are trying to collect this debt that has been settled with XXXX and myself. They first tried to collect {$470.00} on XX/XX/XXXX and lost XXXX points, I was able to dispute it through the XXXX app and it disappeared for a month or XXXX, then it showed up today XX/XX/XXXX and I lost XXXX points. They are now attempting to collect {$420.00}. Which again is inconsistent with the original said debt. This debt has been settled between myself and XXXX, however they are not in contact with the debt collectors who are attempting to collect and can not intervene to stop the collection of this false debt. Attempting to remove this myself working with XXXX has led to me needing to report this to CFPB so that my credit is no longer impacted with a bad debt that is untrue.
09/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 371XX	Web
Continued daily robo calls all day and evening calls registering different numbers from different states. Debt was settled and paid to creditor XXXX XXXX XXXX but daily harassing calls will not stop to my cell number XXXX. Calls show up from different states and numbers but when answered its always a bot calling from same company. Numbers listed were XX/XX/XXXX XXXX WI, XXXX Long Beach CA, XXXX, XXXX XXXX CA XXXX many daily numbers from same company to list. I am considering changing or dropping my cell number and phone altogether due to harassment. XXXX was paid in full XXXX XXXX XXXX and paid in full but daily Robo calls will not stop. Company may be upset because I dropped service and switched recently to XXXX due to bad service and dislike XXXX as I explained to a Rep when I contacted them directly to report this and pay any outstanding valence on XX/XX/XXXX Please do not publish my direct cell number to any public boards that can be viewed by anyone other then the ones who resolve these issues.
10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 488XX	Web
About a year ago, I noticed a ( what I thought to be ) fraudulent delinquent account on my formerly perfect credit report. It was from XXXX XXXX, who I have n't been a customer with since I moved from XXXX to XXXX 6 years ago. I later learned that it was because the cable XXXX had been in my name, and my ex 1 ) Never fully put it in his name, and 2 ) Never turned in the modem when he moved to another location in XXXX last year. I contacted him, he turned it in, XXXX XXXX confirmed ( I 'm sure they have logs on it ), and it was removed off my credit report. I checked my report last night, and low and behold, there 's ANOTHER overdue account from XXXX XXXX that is listed as OPEN and has been charged off to a creditor for a measly {$180.00}. I 'm not exactly sure what 's going on this time, but this is NOT my debt as nothing else was in my name with XXXX XXXX. Perhaps it actually is a fraudulent account, or maybe the debt collector made a mistake, but regardless, I have no responsibility in paying this.
10/30/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	NJ 086XX	Web
I had a phone account open with XXXX phone company some years back. I did a trade in to switch over with XXXX XXXX XXXX. I returned the XXXX phone back through the mail to get my trade in credits with XXXX XXXX XXXX XXXX told me they would close the phone account because I no longer had the phone in my possession, after I sent the trade in back through the mail, They never closed the account and charged it as a debt collector on my credit report with inaccurate information without any of my consent or notification what so ever.I never new it was on my credit report & I want it off my credit report and they gave me a balance of {$250.00} dollars. I payed {$51.00} dollars on the collection. But I want to know if theyre goin to delete it off my report. I tried disputing it through the company and XXXX XXXX. The account was opened XXXX XXXX. Last reported XXXX XXXX. The balance left is {$200.00}. Can you help me please Im looking to start a business and it wont be a good look for lenders. Thanks a lot!
04/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32904	Web
This all started when my wife was opening new service in XX/XX/2022 from XXXX for our new address. When I spoke to a representative, they stated I owe {$980.00} for service in Georgia USA. I explained we don't live in Georgia nor have we in the past. I gave the representative all of my current information as well as my personal information for verification purpose. However the representative stated I still owe for an account I did not open, and this is fraudulent. I asked the representative if they have identification on file and they said yes. They called several times requesting payment and tried to withdraw funds from my credit card for the past amount due from someone in Georgia. Yesterday I received a letter from XXXX. XXXX XXXX stating I owe {$4100.00}. This is illegal and I should not be charged or pay for something I have no knowledge of. I explained this to the representative, however they were not interested in hearing what I had to say. They wanted me to pay for someone's else bill.
01/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO XXXXX	Web	Servicemember
I received a statement by XXXX mail from I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX, MN XXXX, I.C. System XXXX XXXX : XXXX ; account no : XXXX. XXXX, " We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' The debt amount is {$5.00} owed as of XX/XX/XXXX, according to this statement. They list XXXX XXXX as the " original creditor, '' at XXXX XXXX XXXX XXXX MD XXXX. Again, I have contacted XXXX XXXX and they reassured me that this debt is not owed, and suggested it might be a sca I have contacted XXXX XXXX via my account to verify and confirm that I do NOT have any outstanding debt with XXXX XXXX. I have also combed through my XXXX XXXX statements back to XXXX of XXXX looking for any {$5.00} charge within the billing statements and found no reference to this amount. With this in mind, I am asking for your help. I am very hesitant to respond to this company. I think this XXXX be a fraudulent attempt at my identity or a scam.
08/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32405	Web
Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named I.C. System. I disputed this debt and recieved the following from XXXX. XX/XX/XXXX Completed I C SYSTEM Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to XXXX, XXXX phone number XXXX two days after the completion of this report on XX/XX/XXXX. XXXX XXXX XXXX has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.
11/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91324	Web
I used XXXX Gas and Electricity for my power services and cancelled the services in XX/XX/XXXX since I was moving back to XXXX XXXX from XXXX. I notified XXXX that I will no longer reside at this address and they got my updated info to keep in contact for the final bill. Fast forward to XX/XX/XXXX and I received a notification from XXXX that my credit score has dropped a whole rating due to a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX never sent me a final bill nor reached out to collect payments before sending me to collection. Not only did they do this in the middle of a pandemic but no matter what number I call I am not able to speak to a live person since I don't have an active account anymore. I have cleared the debt same day and the collection agency has received my payment. I need XXXX and the collection agency to remove the inquiry and restore my credit as this was all done illegally and was meant to destroy what I spent years to build over {$110.00} in the middle of a pandemic!
07/27/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL XXXXX	Web	Servicemember
I received a notice from .IC. Systems, Inc. stating the XXXX XXXX - XXXX had turned over my account for collection ( # XXXX ). However, I do not have an account with that XXXX so I called them ( XXXX ) and asked for the Fraud Dept. The person I spoke to said that they did not have a Fraud Dept., but should fill out a form on their website. When I went there, one of the first things it asked for was my SSN, Therefore, I left the website and went to the IC System to see what they had. There was a form to fill out for them ( that looked similar to the XXXX XXXX ), asking for my SSN near the beginning. I did not look any further on either form, and decided to contact you instead. They state that I owe {$240.00} ( Principal due : {$190.00} and Collection Charge of {$48.00} ). The address of the IC System is : XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Their Toll-free # is XXXX. Their " Pay Online '' is XXXX Thank you for any help you can provide in stopping them from trying to scam other senior citizens.
09/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78023	Web	Servicemember
This collections account is completely erroneous. I paid off the XXXX account in question years ago ( XXXX ) when I switched to XXXX XXXX XXXX and they continued to charge me monthly after I had already closed the account. I contacted XXXX and paid the entire balance and was complete on closing this account prior to switching to XXXX XXXX XXXX. After the switch, XXXX made an error and continued to charge me monthly for service when I had already successfully closed the account and paid all balances. Another collection agency related to this erroneous debt tried to maintain a collections account in the amount of {$820.00} ; however, XXXX XXXX XXXX was deleted from my credit report because it was found to be erroneous on XX/XX/XXXX. Now, IC System INC is reporting that I owe a balance of {$820.00} which is false because XXXX and XXXX XXXX XXXX have reported that I do not owe any debts. I do not owe anything to XXXX or I.C. System, INC and this needs to be removed from my credit report immediately.
05/27/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28262	Web	Servicemember
On XXXX XXXX , 2017 a t approx. XXXX XXXX EST, I checked my XXXX XXXX account as I do frequently since I working on rebuilding my credit so I could purchase a home with my VA Military Loan. I noticed that my scores had dropped substantially. I looked through the reports and show a creditor I did not recognize ( IC Systems ), IC Systems reported a collection for {$67.00} for a company XXXX XXXX . The collection account was opened in XXXX XXXX , 2017 according to XXXX XXXX and XXXX Credit Reports. I am not aware of this debt as I never received any emails, letters, or phone calls regarding this matter. In addition, there are No additional information as to who the original credit is/was, located, and open account date for this {$67.00} debt. I attempted to contact IC Systems however it is the weekend and holiday weekend therefore communication fail. I am afraid to connect with IC Systems as they may be fraudulent and gain access to personal information.
08/03/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91732	Web
I recently found out that I have a debt collection on my credit report after a friend ran those reports for me. That being said, it says that I have a balance owed of {$410.00}. However, my final bill dated XX/XX/XXXX, from XXXX XXXX XXXX states that I owe XXXX. The first credit agency that had the collection stated {$240.00} as well. However, when the collection was sold off to another agency - IC systems - the amount had essentially doubled to what is now {$410.00}. My only theory is that they have included equipment that I had previously returned and you will find that tracking number below. I called XXXX XXXX XXXX and they too confirmed that they received that equipment back in XXXX. Below I will attach all the documents pertaining to this - the final XXXX XXXX XXXX bill, tracking number for equipment ( potentially what made the debt increase, but still does not justify why one collection agency had one amount and the other, another amount ), as well as the previous collection agency amount.
12/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92506	Web
Signed up for XXXX cable TV and internet services on XXXX/XXXX/XXXX. We were quoted a price with a no fee cancellation if cancelled within 30 days. When we receive the first bill, the bill was not what was quoted to my wife and I over the phone. As a result we called XXXX and they were unwilling to resolve our issue. As a result, we cancelled both TV and internet service with in the first 30 days. All equipment was returned within after 28 days. The equipment was returned on XXXX/XXXX/XXXX. to the store at the XXXX XXXX in XXXX CA. XXXX has been attempting to collect {$110.00}. These fees are not owed. Now within less the 90 days, XXXX turned this account over to a debt collection company saying that the account was delinquent. Nothing is owed on this account. I attempted to call XXXX with no success. The overall sales process was fraudulent as not everything was disclosed at the time of sale. When both my wife and I were present and asked questions, noting was every mentioned about extra fees.
07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90068	Web
I had an internet/cable service relationship with XXXX XXXX for roughly 3 years. The service became so poor, including multiple times at which service was out for multiple days- including during my families movie nights and during the XXXX XXXX. They stated my area was prone to frequent outages and there is nothing they can do but try to resolve it as fast as they can. I informed XXXX that the service was not satisfactory and I needed to terminate due to the breach on their part of contract. The service person agreed. I ended my service and returned equipment. 6 months later I was hit with a collections from XXXX XXXX. I contacted XXXX and they said there was a mistake and yet never returned my call, they did say there was a charge after canceling the service that was in the contract- but when I informed them they breached by not providing service they said they would have to get back to me... Instead they sent me to collection. This feels very much like a calculated move to defraud customers.
04/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
I received notification from XXXX XXXX of a collection on my account. I reviewed it and determined this was for someone else. I called IC Systems and was told they could not help me and I had to get this resolved on my own. 5 minutes later I received a call from IC Systems and a different person was calling me to collect the debt which is not mine. The name they asked for is not me. I advised I had just called them a few minutes prior and was displeased that their company was not going to assist me in getting their error resolved. The woman I spoke to was uninterested and was not very polite nor helpful. XXXXNote : IC Systems appeared on my caller ID numerous times previously however, due to all of the spam and sales calls I receive I never answered their calls. IC Systems never left a message for me to signify who they were calling for or why they were trying to reach the individual they were looking for. The only similarity I have with the person they were looking for is the same first name.
01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WV 254XX	Web
There is a collection on my credit report, the collection agency is I C system for the amount of {$160.00}. It says the supposed account was opened on XX/XX/2020 and it says the original creditor is XXXX XXXX XXXX. I have disputed this claim, but to no avail. Pursuant to 15 USC -1681b I am requesting the form and/or proof of permissible purpose as to how and why any of the the following persons : I C system, XXXX XXXX XXXX, and XXXX, are able to make derogatory reporting to my credit without my written consent? This is a clear violation of the US code and I consider it as identity thief. These private companies posing as fake " bureaus '' have been tricking consumers for years and profiting off their lack of knowledge and the misinformation we have been led to believe. I demand this collection be removed from my credit post haste. Not only is this a violation of the US code, furthermore since I never entered into any agreement or contract with I C system there is no debt or obligation to pay.
11/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32034	Web
I recently received a copy of my credit reports and noticed I C SYSTEM INC is reporting what looks to be a fraudulent account of {$380.00} to all credit reporting agencies which are XXXX, XXXX and XXXX, i have never done business with I C SYSTEM INC and do not wish to contract or have an agreement with I C SYSTEM INC, i have never authorized I C SYSTEM INC to access my personal information or credit file such as social, DOB, address, Phone, i have never signed contracts, documents, or agreements with I C SYSTEM INC. I contacted I C SYSTEM INC and asked them to provide me with a copy of contracts, documents, agreements, photo id, social or what ever was used to open the account with I C SYSTEM INC. so i can file a police reports. i was told by a XXXX XXXX lady that they do not need to provide anything, i said its lots of identity theft going on and i need what ever you have to file a report, she hung up on me. I called again and ask to speak with a supervisor, then another lady hung up on me.
04/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28214	Web
I received an alert on my credit report of a collection from IC System for {$440.00} on XX/XX/XXXX. I called them and they didn't have any of my information correct. The rep advised it was from a XXXX account from XXXX from Florida. I did not live in Florida at the time she gave me the dates. They do not have the correct address or any information that is correct. This same account was with XXXX that I opened a complaint about XX/XX/XXXX case number XXXX with CFPB. XXXX must have sold this debt to IC systems. I do not own that account. This is something that I am extremely unfamiliar with and there has been absolutely no communication about this account to me as they have the wrong person. They are saying it's from XXXX, which was XXXX/XXXX and I have had service with them in XXXX and don't owe them anything. This needs to be removed from my credit report or they need to provide proof of me signing up for services with a contract or something in writing because I do not owe them anything.
07/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 27615	Web
The motorcycle accident took place XX/XX/2019. The only level 1 trauma center close was XXXX XXXX on XXXX XXXX XXXX in XXXX. XXXX XXXX is in my insurance network and my fiance called to confirm that our stay there was covered. My insurance company told her that because the accident resulted in life threatening injuries that any and all treatment inside of the hospital regardless of the provider on call would be covered. The XXXX XXXX billing department billed as they normally would and the insurance company declined to pay certain bills as a result of the bill coding. We spoke with the insurance company and as long as XXXX XXXX changed the billing codes and resubmitted everything the insurance company would then pay. This was about 22-23 months ago and to date there has been no resolve to the past due medical bills. My attorneys office as well as my fiance were unable to get responses from XXXX XXXX regarding these and they have been left unpaid as a result. Thanks again for everything.
11/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48328	Web
I C Systems is trying to collect the amount {$1500.00} and has is on my credit report as collection. The actual account is XXXX ( electric company in XX/XX/XXXX ) the Service address is XXXX XXXX, XXXX, XX/XX/XXXX XXXX. Service date : XX/XX/XXXX through XX/XX/XXXX. **I never lived that address. During the service dates I lived in XX/XX/XXXX. I moved into my Apartment in XXXXXX/XX/XXXX XX/XX/2018 and still currently reside at the same apartment. I have NEVER given any permission in my lifetime for anyone to use my name, ss number or any information to obtain services or anything. *I do NOT owe this company for this amount. I contacted XXXX and they still say I will owe it. I filed a dispute through XXXX and the I C Systems states I still owe it. IT IS NOT MY ACCOUNT I had XX/XX/XXXX put out an alert for my id to be seen physically before anyone can use my info at all. I hope this helps but for this XXXX account ( REF # XXXX ) I want fraud placed with this account Thank you, XXXX XXXX
07/27/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 90002	Web
Dates are blurry due to it being some time ago and having bad memory. Moved with my ex partner to an apart on XXXX XXXX. For some reason he couldnt get the internet connection, so it was put under my name. Everything was paid on time. Until the end of our lease. His behavior was getting worse, he ended kicking out the house. Lease ended and I was never allowed backed in. I thought he paid for the wifi and returned the box. Couples of month later the calls began. I let them know I no longer lived there and had no way to get in and return the box. Month later its now it collections bc the last payment is as never made even though it was pulled out of my bank account bc it was auto payments. The box was never returned even though I let my ex partner know. The calls were very frequent at least four times a week, this went on for three years until they report it on my credit score. I made a dispute but it was tossed. I have information on my ex partner if its needed. Time line is XXXX XXXX XXXX
11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33034	Web
I reviewed my credit report and saw the following collection that I have not received documentation stating this debt is mine and I am not responsibile finanically for it. It affecting my ability to qualify for credit. Below is the contact information. I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$730.00} {$730.00} Payment Info Original balance {$730.00} Balance {$730.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/2021 Additional info Comments Affected by natural or declared disaster Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MA 02124	Web
XXXX, i spoke with a representative on XX/XX/2017 regarding an old account. Th I asked how much was the equipment fee. I was told the equimpment fee was XXXX ; i said i no longer use the equipment and would like to return it. XXXX XXXX of IC Systems instructed me to contact XXXX XXXX directly. Upon contact the XXXX XXXX representative XXXX XXXX, looked into my account and stated " the equipment was outdated and would not be accepted '', however my account would be credited the XXXX equipment return fee '' and the account would be updated to reflect the fee - over the weekend. On XX/XX/2017 i called XXXX XXXX back, as i did not see the credit on the account, i was then told - the return date had passed and i would be responsible for the XXXX - the previous representative had given me misinformation. I then quoted the recording which states all calls are recorded for customer service and quality assurance.. they told me they could not honor the misinformation provided by their representative.
06/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20136	Web
Dear Sir/Madame : I am presently residing at Virginia. On XXXX XXXX, XXXX by checking my credit reports, I have learned that an collection amount appeared on my credit reports. I am a XXXX of XXXX, there are XXXX of XXXX of XXXX having the same name and the person who is responsible for that account is NOT me. I have no knowledge of the identity of the person who is responsible for the mentioned account and I do not understand as to why that collection account appeared on my credit report. I realized that collection is for XXXX XXXX which is a power company in XXXX XXXX. I have been living in Virginia since XXXX and this account was established in XXXX in XXXX ( it appeared to be an electric bill ). Clearly, I have nothing to do with this electric bill. I am greatly upset about that account since it caused my credit rating tarnished. I am requesting for your help in restoring my excellent credit rating and that delinquency reported to the Credit rating companies be removed. Many Thanks.
09/05/2022	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	IL 60538	Web
XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX showing a balance still owed and this account has been settled. XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. I C SYSTEM shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
03/02/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 94533	Web
XX/XX/XXXX I received a letter from IC Systems XXXX XXXX XXXX XXXX, MN XXXX regarding a XXXX bill that I had already informed XXXX that I could not pay and was XXXX XXXX when the contract was signed. I have had XXXX for 18 years and have no assets or ability to pay and to cease and desist meaning do not contact me. I advised IC Systems by phone and letter to flag my account. XXXX was again copied on that letter. Then XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, Fl. XXXX so notified them regarding my situation and copied XXXX again. Then today XX/XX/XXXX I receive another letter from a third collection agency called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX , MN XXXX demanding payment. All four companies have been notified to Cease and Desist yet they continue to contact and harass me for this bill. What company has a XXXX XXXX XXXX with no assets buy five phones except for sales commission and greed and send collection accounts to three agencies within nine months.
10/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 61938	Web	Servicemember
They are claiming to be collecting for XXXX XXXX. But I can not get XXXX XXXX to tell me how much they owe as a matter of fact the amount had just changed at the beginning of XXXX. I called for 3 days straight I called eight different representatives two of them being management and the two management ladies actually argued with each other they said one was wrong the other said the other is wrong you know they went back and forth like that then the other six agents told me different amounts that I owe and every time I contact XXXX they give me a new amount I have no idea how much I owe them and they have been allowed to drag my credit down twice I see systems has because the first time they did it they put just some off the wall amount that XXXX told them The second time XXXX updated here at the beginning of XXXX and IC systems put the new updated amount and they were able to drag my credit down again through XXXX so that's twice they've got to do that I think they need to be removed
12/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33426	Web
I received an alert to credit report to discover a collection agency by the name of ICU Systems listing a debt for {$110.00}. I am extremely upset. I never received anything from this letter, just a shocker to see it listed on my credit report. I tried to resolve this with XXXX XXXX XXXX. My issue was that XXXX XXXX XXXX was charging me for services in which I did not have with them. I tried to produce the documents showing that I was receiving service with XXXX during the time XXXX XXXX XXXX was billing me. XXXX made an error and instead of porting the phone number, they assigned me another phone number for my landline service and internet. So, I did not have XXXX XXXX XXXX during the period in which they were charging, therefore not owing XXXX XXXX XXXX. I am asking this company to remove this debt from my credit report. It is not a valid debt, nor did I have the opportunity to speak with this company before seeing this debt posted on my credit report to inform them of the situation.
11/01/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	ID 832XX	Web
IC systems has been repeatedly calling my phone number provided in previous questions and have informed me of having a file placed with them by a health provider and have asked me to confirm my information, they then give me a partial address and ask if this is correct, I ask what it is regarding and they refuse to answer my questions, they then kept pushing for my personal information such as social security number- I do not give it until I can verify what IC systems is calling about- they then repeat that they wont discuss the " file '' until I provide personal information, I then ask what exactly it is regarding and that I will not volunteer that information until I am provided a reason for their call, they then hang up on me and will not answer my questions. This feels like an absolute scam in refusing to discuss the reason for their call until I provide personal information. They say the file originated from a health care provider, however we have no outstanding balances anywhere.
06/11/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 082XX	Web
I have went to my physician for XXXX report and they made with visit collect charge from my insurance and ask for Co-Payment of {$25.00} which they did not ask when i was there and send me bill at my home address, and i am in college live in campus did not get bill until i come home. later my co-payment in amount of {$25.00} sent collection agency called IC System and try to collect more then i owe ( {$25.00} + {$4.00} collection charge ) in state of New jersey debt collector can not charge more then I owe I am full time student do not make money my parent wrote check in amount of {$29.00} and sent to IC System but debt collector did not deposit check instead they did on ACH transection on my parent checking account and fail to return orginal check so I C system ( Debt Collector ) violate new jersey debt collector practise and did not deposit check supposed to do. so i am looking for original check return to us and full refund of {$29.00} because they act their way rather follow rules.
08/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06457	Web
I received notification from IC Systems that I supposedly owed this debt to XXXX. I sent them a letter disputing the debt in XX/XX/XXXX. I asked them to send verification of the debt. I filed a complaint with CFPB in XX/XX/XXXX regarding the debt. I received a validation notice from IC Systems in XX/XX/XXXX. The notice included the bill from XXXX. The bill references that in XX/XX/XXXX I supposedly lived at XXXX XXXX XXXX, XXXX, Florida XXXX. I have proof that I DID NOT live that I NEVER lived at that address. I am filing another complaint with IC Systems in XX/XX/XXXX. I will send another certified letter to IC Systems indicating that the verification documentation is NOT accurate. My next step is to involve an attorney. The debt is NOT mine. I never had an account with XXXX under the address that they are proposing. I have not lived in XXXX for over 25 years. This is not my debt. This is a product of stolen identity. Beyond name there is no other verification that this is my debt.
06/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30047	Web
XXXX has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX at XXXX XXXX XXXX. I am a female and not a male. When I called ic Systems, the collection agency for this account, they claimed it was for a XXXX XXXX ( XXXX ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because XXXX has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name to my account.
11/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60440	Web
I review my credit report and I saw IC systems listed I contacted IC systems and was told they were placed on my credit from a previous bill with XXXX I went ahead and set up the date on Monday, XX/XX/XXXX I contacted IC systems in a attempt to receive documentation that I previously owed the debt I was informed by them that I needed to contact I XXXX so I contacted XXXX customer service I was informed they could not email me anything however I could go into my local Xfinity store and receive up to 12 months worth of statements I proceeded to the store on Monday and I was advised that they have a new system and they can not give me any documentation showing my previous Debt due to the debt been from XX/XX/2015 the customer service employees informed me in the store that I would need to contact IC systems to get documentation of the previous debt owed I have been given the runaround and I am only asking for proof that I did in fact old XXXX for services that was rendered back in 2015.
06/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 441XX	Web	Servicemember
I have an unverified account from I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that IC SYSTEM Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3 . Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6 . Whether you purchased the debt, and if so, the amount paid for the debt 7 . The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
05/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98223	Web
In XX/XX/XXXX I went to the XXXX store to find out about their monthly plans. The salesman was pushy and aggressive. I repeatedly told him I did not want to sign up and left the store empty handed. I did not receive any phones. Two months later in XX/XX/XXXX I started receiving a XXXX bill. I called them and told them I Didnt get any phones. I was told that they verified I had in fact not gotten any phones and they would close the account and I would not get any more bills. In XX/XX/XXXX I saw XXXX on my credit report for XXXX so again I called them. They said that no I did not get the phones and they took it off my credit report for 6 months. Then in XX/XX/XXXX it was back on my credit report. I repeatedly called XXXX and every time was told that no I Didnt get any phone and they would get it off my report. The most recent time was XX/XX/XXXX. XXXX is very aware of the fact I Didnt get any phones and refuses to take this off my report for good. They say they will and they dont.
12/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 356XX	Web
XX/XX/19 received a bill for {$880.00} from IC System for a XXXX account delinquent bill that was in my name. I contacted XXXX, filled out a fraudulent packet, mailed it on XX/XX/19, with a tracking #, which they received on XX/XX/19. Never heard from them. Called XXXX on XX/XX/19 to confirm my packet was received and complete. The lady confirmed it was and that it would be 30 days before I would hear from them. Never heard from anyone. XX/XX/19 received a letter stating the fraud packet was incomplete. XX/XX/19 called XXXX to find out why the packet was incomplete. He didnt not know but assured me I would hear from them within two days. Never heard from him. XX/XX/19 received another bill from iC Systems for {$880.00}. XX/XX/19 called XXXX. He said The packet has not been located. In this packet I was informed I had to send my social security number along with other proof Id identification. He told me to fill out another fraud packet. This is unacceptable, and I want this resolved.
11/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 397XX	Web
In XXXX XXXX, I switched cell phone carriers from XXXX to XXXX. After becoming a XXXX customer, I was eligible for the switch promo XXXX was offering new customers. This meant that new customers could submit their final bill from former carrier and XXXX would allot for the payoff. I contacted XXXX several times for the final bill they never did comply. XXXX XXXX, 60 days past which made me ineligible for the switch promotion pay off. Of which time XXXX turns my account over to collections, ( I. C. System, inc. ), who begins reporting this account to all three credit bureaus and is currently still reporting. Again I contacted XXXX several times for final statement of my bill to submit to XXXX for payoff. XXXX never sent me a final document ; email or hard copy. XXXX has since dealt away with the matter. They 've received payment for turning the account over to the I. C. System collection agency, & I 'm now left with the negative reports against my credit through no fault of my own!!
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75098	Web
In Accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot 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.
08/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07306	Web
I received a bill 3 years after a XXXX was performed, which I paid out of pocket for from XXXX XXXX XXXX XXXX XXXX XXXX. The date of XXXX was XX/XX/XXXX and I received a bill for the first time in the beginning of XXXX. I went back and forth with them, but they kept telling me to call my insurance, except my insurance kept saying to call them. Now, it is impossible to get anyone to answer the phone in the billing department of XXXX XXXX to even dispute this issue. THis is showing up on my credit now and causing a derogatory remark which is hurting my credit. I have left numerous messages and called dozens of times without a return call. I started to research and found that this is something they do a lot via XXXX and everyone is saying the same thing via XXXX reviews. This is not acceptable. This company is banking on it not being possible to reconcile 3 years prior and forcing people to pay money that they didn't owe because they don't want a ding on their credit. This is WRONG.
08/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 790XX	Web
I moved into a home that did not have any current land lines running in the house, so I called XXXX XXXX XXXX and set up an account to have a home phone line. They were going to come out to actually install phone lines on the property so that we could have a land line home phone. They never came and put the lines on the property. I never had a phone set up to use. I was however sent a bill for the first day months service as if I did get a line set up and used. I call XXXX XXXX XXXX 10 times trying to resolve the issues and then they sent me another bill and I still didnt have the service they were charging me for. And I never had a land line or used any of the XXXX XXXX XXXX services I was being g billed for. I canceled the account with XXXX XXXX XXXX and never looked back, until, a couple years later, 5years, I get this app called XXXX XXXX, and see that I have an account that has been sent to collections. I was unaware of this and now I need it fixed because its not my debt.
07/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78626	Web
This company is trying to collect {$97.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
11/02/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75104	Web
I have not had a XXXX account since early XX/XX/2012. I do not live in XXXX anymore I have been in XXXX since this time. I received a call from some company giving me a reference number and saying I was going to be served papers at my home and work if I didnt call to straighten the matter out, and I could call #, and use reference # they gave me and speak directly to the charging party. So since they have been harassing me for what seems years, I called. The rude lady on the phone, when I asked her for details told me I have to go down the hall to the attorneys office to get the back up. Uh, no you dont, i proceeded to tell her that if they were reputable she would have the info on the screen, and that they are scammers, she told me not to tell her how to do her job and hung up on me. I havent heard anything since. I do not believe this debt to be mine just based on the simple fact that the amount doesnt resonate nor does a XXXX account, I live in XXXX we do not have XXXX here.
03/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33319	Web
In XXXX my previous XXXX account was paid in full without my authorization in the amount of {$1800.00} which were my school funds that I needed at the time to survive as a student. I spent unnecessary time filing various disputes and both times they where removed from my credit report and came back with a higher balance than before. The amount went up to {$1900.00}. This account has been sold to I.C. System, INC which was removed from my credit and then it was put back on my credit with XXXX XXXX which was removed again and then was sold again to I.C. System, INC with the higher amount of {$1900.00}. This happened to me during the global pandemic and this is still on my credit profile as a collection with a status of- Seriously past due date assigned to attorney, collection agency, or credit grantor 's internal collection department. I have attached ; -my XXXX bank statement that shows the unauthorized payment taken out via XXXX, - XXXX dispute letter verifying this account
05/08/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA XXXXX	Web	Older American, Servicemember
I received a letter today XX/XX/2021 from IC System where they claimed I owed {$45.00} to XXXX. I've checked my XXXX account and there's no {$45.00} DUE. I verified that by contacting XXXX and they verified that there was no such amount due. My XXXX monthly bill is paid automatically. I checked all those payments and none of them failed to process OK. The letter from IC System has the following address of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. There web address is www.icsystem.comXXXX. When I tried that link, my browser timed out. So I wasn't able to connect. This letter has a payment return address of XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Note the difference in the XXXXox address for the company mailing address ( XXXX ) and the return payment address ( XXXX )! They may have made a mistake on the company mailing XXXX. XXXX number. All my research points to this letter being a SCAM. I've contacted XXXX to advise that they warn their customers of this SCAM.
03/23/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33414	Web
I went to my XXXX for some testing I had full coverage insurance at the time. I paid the remainder balances my insurance didn't cover for every visit. I was then informed that I needed additional testing at the cost of {$500.00} for an at-home test to XXXX XXXX XXXX XXXX. I agreed to the price and went ahead with the test. I waited for the results and never heard back from the Dr . I called for the results and never got a return phone call. I then posted a negative review of the doctor 's practice on XXXX reviews. a month later I received a bill from the doctor 's office for over {$5000.00} for an at-home XXXX XXXX that I was told would be {$500.00} and I also never received the results. my insurance company was never billed for this either I'm assuming that would be insurance fraud and that's why they were never billed. now I have received calls and letters from collection agencies for this fraudulent billing. i really could use your help please XXXX XXXX XXXX XXXX XXXX
11/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60615	Web
Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33028	Web
Hi I checked my credit report as I am about to apply for a new apartment and saw these collections on my report which I do not recognize at all nor ever had any business with these companies they claim to represent. I have called and asked for information but they said that they can not find my information in their database but they are still reporting it on my credit report which is affecting my ability to move into my new place. I have submitted disputes with credit bureaus to no avail and I have requested debt validation from this company and they have failed to provide me with ANY proof or any response. It has passed the timeframe from when they were supposed to respond more than once and I feel they are ignoring me at this point. I just want this removed from my reports as this does not belong to me if it did I don't mind paying it and resolving it but they won't give me any information. It is frustrating dealing with ic systems and I hope you guys can help! Thank you!
02/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93727	Web
Account with XXXX XXXX was removed and closed from my credit report on XXXX by XXXX XXXX XXXX XXXX XXXX Fraudulent debt was sold to new collector I.C System, INC. Date was opened on XX/XX/XXXX but didn't appear on my credit until XX/XX/XXXX. This account is identity theft. Police report was filed and is under investigation, along with that XXXX has been contacted as well but i waited months to hear back from them. I re-forwarded the police report to their fraud department. I have every right to know what number and address this credit company has in file because I have not recieved any phone calls, emails or mail that has notified me that this fraudulent collection was closed or reopened. I have lived in my current address for 5 years and not once received any mail from XXXX that account had been opened under my name or from either one of the collection agencies above. Because they clearly have the wrong information. I want this removed. I am a victim of identity theft.
06/24/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30349	Web
On XX/XX/2021 I.C SYSTEM, INC Debt Collector Company that Reported on my Credit claiming that I owe them {$360.00}. They have never given me any service or my Creditor and I did not give them permission to report on my Credit Report. I disputed it Through XXXX on XX/XX/2021, on XX/XX/2021 they said the account has been verified as accurate. I.C SYSTEM, INC ( debt collector ) is not apart of XXXX XXXX XXXX XXXX ( creditor ), just because you receives an assignment or transfer of a alleged debt does not make them a Creditor according under 15 USC 1692a. When the Debt is Being Disputed under 15 USC 1692g ( 4 ), 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. XXXX did not show the Verification and I.C. SYSTEM, INC has not mailed the Verification. It's said that the Creditor Bureau 's doesn't follow or know the FEDERAL Debt Collection Practice Act 15 USC 1692
09/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WV 254XX	Web
We purchased and transferred service to XXXX for cellphones. They assured us we had service in our home town area. After using it for a while, it seemed to go in and out. I spoke with them SEVERAL times regarding this. After speaking with a manager, the manager informed me that we could be let out of our contracts due to our area being a bad spot and XXXX not offering service there. We switched companies and now they are charging us for these contracts that I was promised would be released. I do not owe this money. I have fought with them for years over it and then they placed it in collections and it is on my credit. I have disputed it as well through my credit agencies and they refuse to acknowledge that I do not owe this money. They 100 % gave me that option, I took it to have phones that work for our business and work, and now I have this showing and affecting our credit. I would like this to be canceled from their systems and the debt removed from our credit reports.
04/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO XXXXX	Web
On XX/XX/XXXX I sent a letter to IC Sytem asking them to provide me with validation of the debt they are attempting to collect. I asked that they provide me with the agreement showing that the client grants them the authority to collect the alleged debt, an agreement that bears the signature of the alleged debtor where they agreed to pay the creditor, name and address of the alleged creditor, amount of the alleged debt, verification that the debt was assigned or sold to a collector, complete accounting of the alleged debt and the name and address of the binding agent in case legal action becomes necessary. The letter was sent by certified mail and per USPS it shows delivered on XX/XX/XXXX. ( The tracking number is XXXX ). As of today, XX/XX/XXXX, I have not received any sort of reply to my request for validation. From my understanding the company must immediately delete the reporting of this alleged debt to the three credit bureaus as they did not comply with my rights.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34953	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : I C System, Account name : XXXX XXXX XXXX, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
01/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46304	Web
I was contacted by I.C. Systems, Inc., a debt collection service regarding an unpaid XXXX bill in the amount of {$2300.00} for a XXXX XXXX. I do not know who this person is and is not me and after explaining to I.C. Systems, Inc., this was not me, they said they were aware of this and demanded I pay anyway. I was told I was chosen because they thought I would give in and pay and had good credit even though I was not XXXX XXXX. Further, the bill was not even for a state that I have ever lived in and I have never had a XXXX account. They did not care and threatened me with damaging my credit by notifying the credit bureaus and that they stated they knew they could not sue me as I could prove my identity. All calls stopped after I refused to pay for some other unknown party and they marked my credit report. I tried to dispute but they refuse to remove even knowing that this is not my debt nor anyone I have ever known or met in my life. This is true abuse of their position.
07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 14612	Web
My husband and I applied to refinance our home. In the credit report, they advised that there was a collection for a debt for XXXX thru IC Systems for {$1500.00} that I needed to take care of. I contacted the company, IC Systems, and the representative told me I needed to pay them as XXXX reported the debt as unpaid. I needed to contact the previous debt collection agent, XXXX XXXX, XXXX. I contacted XXXX XXXX and they were absolutely NO HELP. Representative told me that they reported the debt paid to XXXX and it wasn't their problem. In the interim, IC Systems continues to contact me stating that the debt is still owed to them. I have sent the receipts from XXXX XXXX to XXXX Credit Reporting Service to show that the debt was paid and to remove from my credit. IC Systems refuses to remove this debt from my credit - they insist it isn't their problem. Despite having receipts showing debt is paid - neither company will assist in getting this debt removed from my credit.
05/23/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 35802	Web
On XX/XX/2021 I filed a complaint about the actions of I C system and the fact that they communicated with a relative of mine in regards a debt that they are trying to collect. I also complained that as data furnishers they failed to provide the CRAs with 100 per cent accurate information which was listed on my credit file. These are violations of my rights as a consumer and are very injurious to my financial health. I C System sent me a letter ( see attached ) stating that as a result of my dispute they will cease all communications as well as any collection activity. They did not cease collections. In fact the very letter in which they stated they would cease collections had a request for payment and they are also still reporting this debt to the CRAs. Its my understanding that credit reporting is an attempt to collect a debt or at lease to coerce consumers to pay debt. I C Systems has not kept their word as to their debt collection and continues to violate my rights.
02/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30083	Web	Servicemember
IC Systems Collection agency reported a alleged medical debt of {$1400.00} to the credit reporting agency from XX/XX/XXXX I received a credit alert. I contacted the collection agency on XX/XX/XXXX and question the debt and why I was not notified in writing, which the letter was then sent a week after my telephone. I have repeatedly verbally ask the collection agency to validate this debt by sending me documentation and not just a itemized bill. I asked that it can be sent either from them OR the original creditor directly to me due to any HIPPA laws. I have called to follow up on several occasions.Dates of contact were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I kept getting the same response " the original creditor has not responded ''. I sent a electronic request via IC Systems Collections website to dispute on XX/XX/XXXX, again no information was sent and I lastly sent a certified letter on XX/XX/XXXX. This is becoming so overwhelming and is also effecting my credit score.
10/23/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33971	Web
XXXX XXXX Re : IC Systems Inc acct. # XXXX and acct. # XXXX Dear IC Systems XXXX , I have never received any written correspondence from this company. IC systems reinserted a collection to my credit reports with XXXX, XXXX, and XXXX that results from crime ( s ) that have taken place. This is invalid. I didn't received any services or goods from the original creditor. However, I am still held responsible for this debt. You also have violated the FAIR DEBT COLLECTIONS ACT by adding a collection to my credit reports without my knowledge. Furthermore, you are also in violation of the FAIR CREDIT REPORTING ACT by reporting inaccurate information to data furnishers XXXX, XXXX, and XXXX. You were froward copies of an FTC Identity theft report and a sworn copy of an identity affidavit. Still you fail to comply with laws you are legally binded to adhere to. I am forced to led to lead to legal actions with IC Systems if this debt isn't removed. Thank you, XXXX XXXX XX/XX/1986
03/18/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 945XX	Web	Servicemember
I took XXXX dog to XXXX XXXX hospital to the vet and made monthly payments of XXXX. To my knowledge this was not credit or a loan kind of deal but more as a pay as you go for service. I called around. XXXX/XXXX to cancel the debt the debt was never canceled by XXXX and they continue to charge me up to XXXX XXXX. After my dogs care had stopped there in XXXX being the last month he was ever seen in that hospital. I received a letter saying I owe XXXX to I.C. Systems. I attempted to call them because I Believed it was a scam and I I never heard from them again. Today it was report to the credit bureau. Which I do n't understand cause it was never a credit and I refuse to accept that debt because my animal stopped recieving care. Not only that I.C. systems never followed up with me. I am willing to pay what is owed up until XXXX/XXXX and have the removed from my credit report because it is unfair that I 'm being overcharged for services that was n't Provided after XXXX XXXX
03/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37172	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : I C SYSTEM, INC : Account Number XXXX has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
02/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 147XX	Web
This complaint is in reference to I.C. Systems, Inc. This debt has been sold multiple times and each new company reports the account to my credit with the date that they purchased it, which is incorrect. This bureau can see that I have reported this debt as fraud on XX/XX/XXXX. The original date that this account went into arrears was in XXXX. Yet, it is reported to my credit with a date of XX/XX/XXXX. This is significantly infringing on my 7-year window. The time doesn't restart just because that's when they purchased the debt. Further, I have provided XXXX with a police report and shown that the account was a fraud committed against me when one of their own employees stole my information and added lines to my account without my knowledge. However, they have determined that just because I knew the individual that it could not be fraud, which is absurd. People commit crimes against people they know all the time. The amount of the debt is currently listed as {$3800.00}.
01/11/2020	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	CA 95648	Web	Servicemember
What continues to happen is that an old collection from XXXX XXXX XXXX ( which I have no knowledge of ), keeps transferring from agency to agency, who then illegally " re-age '' the debt and place the debt back on my credit report as if it is new. Firstly, the debt, from my recollection, first appeared as much as 7-9 years ago. This alone makes the debt beyond the stature of limitations for collection. This re-aging has occurred before and I had to take steps to have the item removed, only to have it re-appear on XX/XX/20. Previously, the debt appeared under " XXXX XXXX XXXX '', among others. Please take action to notify the company that such re-aging actions are illegal under FCRA, FTC and CFPB laws. This latest instance has lowered my credit scores by nearly 90 points. I receive repeated attempts daily from various area codes but rarely a message is left. This appears to be a {$100.00} debt as reported and these companies are freely and repeatedly violating the laws
01/11/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08094	Web	Servicemember
There is a negative credit report due to an alleged 10+ year old XXXX XXXX overdue bill of {$550.00}. I have not had a XXXX account in over 10+ years minimum. Ive tried resolving with XX/XX/XXXX directly via phone and online and also with XX/XX/XXXX and XX/XX/XXXX with no success. This alleged overdue balance is over 10 years old, minimum. This is ludicrous that an alleged balance that is over 10+ years has just recently been placed on my credit report. It severely past the statute of limitations and with any research this can be verified. I have not received any literature or a " Validation Letter '' regarding this for clarification or to directly dispute/resolve with XX/XX/XXXX The credit report on XX/XX/XXXX and XX/XX/XXXXis under the company of IC Systems and was opened XX/XX/2019 and as mentioned is already on my credit report and has already impacted my life negatively. I am also contacting the other Federal and State corresponding departments to file reports.
02/04/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30084	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX gave my personal medical information to I C SYSTEM COLLECTIONS for a bill. I C System gave XXXX ( and maybe others ) the medical facility name " XXXX XXXX XXXX '' and it publicly posted. It supposed to say something like " Medical/Physician '' that's it. Now other people/creditors/inquirers/family are seeing that I had a XXXX XXXX which made me see a XXXX. Furthermore, when spoke to IC system a few years ago the rep was told me exactly what the bill was for. The rep said the bill is for a visit due to a XXXX XXXX. I am just finding out that that was a HIPPA violation. No one is suppose to know my diagnoses/medical condition outside of myself and the Dr. office ( without my permission ). My medical information should not be exposed for all to see. I did not want my now husband to know I had XXXX issues and others. Now he knows and blames my health for past XXXX problems. I am furious. Which is another reason why I am filing.
11/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77551	Web	Servicemember
As per bankruptcy case number XXXX, XXXX was listed as a debtor as there were " lease payments '' on a cellular device. The phone number associated with this account is XXXX. I have returned the device and paid for usage. Seven times over the last six months, I tried to reach out to XXXX to resolve this matter. Each time, XXXX assured me that the account was closed and " would have '' a zero balance. XXXX did not object, nor attend any debtors meetings. I am still receiving daily calls from IC Systems demanding payment and this debt collector has placed a collection account on my credit report. XXXX now indicates I owe a balance due to a broken lease agreement which was listed in the bankruptcy. No one seems competent at neither XXXX nor IC Systems to resolve this matter. Therefore, as a last resort, I am reaching out to CFPB. Your prompt assistance is greatly appreciated. " XXXX '' with employee ID XXXX was the last person I spoke to regarding this account with XXXX.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 462XX	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
01/19/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	OR 972XX	Web
I received a notice from my credit bureau, XXXX, that there was new activity on my credit report from IC Systems ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I received a copy of the report that showed IC Systems is attempting to collect a debt from XXXX for an unpaid cable television bill. I contacted IC Systems ( XXXX ) and they informed me that the XXXX bill ( Account # XXXX ) was from an address in Florida ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) in the amount of {$1400.00}. I informed the IC System representative that I have never lived in Florida nor have I ever had an account with XXXX, and that this is a fraudulent claim. IC Systems sent me information from XXXX XXXX to file an ID Theft report. The instructions from XXXX XXXX states that XXXX of the steps is to " go to ftc.gov and fill out an incident report with the Federal Trade Commission '', which is what I am doing now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60651	Web
Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
06/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29209	Web	Servicemember
I received a letter from I C System stating that I owe a XXXX bill 7years ago. I received the letter 2 weeks ago. I reached out the XXXX and the company said they didn't have an account under my name. I told the representative I did owe a bill and that a collection agency reached out to me and it was paid in XXXX.I called my bank hoping they can track the payment but they only go back as far as 6 years. Being that XXXX collection was not on my credit report, the company was paid. I C System didn't give me 30 days to rectify the problem with the account that was issued to me. This company posted this account to my credit report. I would like to see the original bill of {$680.00} stating I owe. I called and spoke to the I C System operator she stated if I paid another collection agency they didn't close my account out. I would definitely like to see the original bill saying I owe this amount since its going through so many agencies. Thank you for your help in advance.
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17046	Web
I got an alert from XXXX XXXX stating that I had a new collection pop up. I then got a letter from IC System stating that I owe {$4900.00} for a XXXX XXXX. I called IC system and they informed me that this is a XXXX XXXX for an address in XXXX, PA. I told them that I never lived there nor know anything about the address. IC System asked me to provide proof that I lived elsewhere during that time frame and and I mailed that it. they then asked me to file a police report and I have done that too. This negative mark has drastically dropped my credit score and has been a complete defamation of character. I regularly use my credit for my business and this has stopped me from doing so. The incident number from my police report filing is XXXX. The XXXX XXXX police dept does not release the actual police report but just the incident number and i will upload proof of that. IC Systems will not remove the negative reporting even though I took every step that they asked of me.
04/14/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 816XX	Web
1 ) On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. refused to code it for the insurance company as a XXXX XXXX XXXX XXXX I made multiple attempts to have him change the coding, but instead he sent me to the credit agency for collection. I made it clear to both XXXX XXXX and ICS systems credit agency that the billed amount was in dispute because of the improper coding. Nevertheless ICS kept hounding for the money. I send them a check for an amount that I thought was appropriate with a restrictive endorsement stating that endorsement constitutes a satisfaction of the disputed amount. I consulted a lawyer in XXXX who indicated that the restrictive endorsement should satisfy the debt. 2 ) In summary ICS has harassed me and damaged my credit over an amount that is in dispute. I sent a check with a restrictive endorsement that they cashed and they continue to pursue for the balance.
12/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN XXXXX	Web
A few years back, I ordered my credit report and noticed a collections. I disputed with XXXX XXXX XXXX/debt collector and advised this was not my account. I was advised that the account was in XXXX name. Well, I have never heard of nor used a fraudulent name. I asked them to provide me with verification of the negative item. Nothing was provided so they removed it from my credit. Fast forward to XX/XX/2021. I got a credit alert advising a collections has been added by IC System. Since I am a victim of identity theft and have taken necessary steps to protect my credit along with filing a police report in the past, XXXX XXXX XXXX was unable to provide accurate information. Unfortunately, I am having to dispute this again which is causing unnecessary XXXX and time. I don't understand how XXXX XXXX XXXX would sell a fraudulent account.. I am requesting a copy of the original contract between myself and the original creditor and original application with my signature.
08/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32514	Web
I see both I.C. Systems and XXXX on my credit report, even though XXXX sold my debt. XXXX. XXXX says I owe them more than {$2000.00}, and they claim XXXX passed on the debt to them. But when I check my credit report, XXXX is still there with a balance around {$850.00}. Also, XXXX sold the debt to someone who's bothering me with demands for payments that are double what XXXX claims I owe. I want to emphasize that I've never been with XXXX or signed anything. I'm confident I'm a victim of identity theft, and I'm dealing with disputes with other companies and banks because of this identity theft issue. I urgently need to see a detailed bill explaining why I owe more than {$2000.00}. I'm not satisfied with a bill that looks like it was made up, just stating that someone owes money. I want to see signatures. It's important to note that XXXX can't sell the debt and continue to have it on my credit report with a different amount than what the collectors are asking for.
08/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17042	Web	Servicemember
I received a collection notice for {$590.00} from I.C. System for services rendered from XXXX XXXX XXXX XXXX XXXX to an address in the state of California. I have never lived in the state of California. Nor do I know anyone in the state of California. I have never given anyone permission to use my information to open an account. For some reason this collection account keeps getting passed along to a new company at least once a year. I have spoken with I.C. System directly and informed them that this is not my bill. I have also filed an Identity Theft Affidavit with XXXX various times in the past to no avail. It appears to get cleared up with the present collection agency, then resurfaces with another collection agency. Im not sure why XXXX XXXX XXXX XXXX XXXX would keep passing this information on to other collection agencies when I have conveyed to them that this is not my bill and I have never lived in the state of California. I just want this to get cleared up.
02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33026	Web
Since the end of XXXX and early XXXX I have periodically received notices of collection attempts from XXXX through various agencies. Each time I have disputed the information with XXXX, through the credit bureaus, and to the collection agency. The account which XXXX has sent to collections never belonged to me and they confirmed that. It is still unclear how my social security number was attached to the account in question but the name on the account and the address associated with it was entirely unrelated to me. While I did use XXXX 's services in the past, I have proof that all accounts were closed at my request and entirely paid in full. I have not used XXXX since XX/XX/XXXX/XX/XX/XXXX. The collection mark has been removed and then re-placed multiple times resulting in drastic swings in my credit score as well as causing me hours of repetitive work fighting to remove the derogatory mark off of my credit report. Please contact for further details and proof.
08/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 117XX	Web
This is a follow up of closed complaint # XXXX I.C. System is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
04/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29016	Web	Servicemember
XXXX has attempted to collect XXXX for an account that Ive explained was opened fraudently. Every six months to a year a different collection agency is assigned and the debt is reported as a collection. I filed a complaint XX/XX/21 and XX/XX/21 about this debt and each time it was removed from my credit report. The last collection company, XXXX that advised they would not pursue the debt sent me a XXXX Fraud letter and advised me to complete it and send to XXXX. I did so and heard nothing further until today when I received a credit alert that XXXX is back at it again. There has been no communication via telephone or USPS from the most recent collection agency I.C. Systems. Not only does this violate my rights as a consumer this is pure harassment. Ive done everything in my power to resolve this and XXXX continues. I have no knowledge of this account, I never made one payment to this account and could not tell you the phone number/s associated with this account.
01/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web
in XXXX i changed cell phone carriers. i was told i had to pay {$750.00} for a device and turn another device in and this would cancel my service with the then carrier. i complied with this request. on 4 separate occasions i went to the mobile carrier to turn the final piece of equipment. i was told after the 4th try that the store would not accept the device and that a box would be sent to my home. once i received the box, i could return it to the carrier. this never happened. when i spoke with the company yesterday i was told that i owed them over {$2000.00}. i asked what the {$2000.00} was for and a very rude man told me that i had no options and that i either needed to pay the money or risk my credit being affected. i followed al the proper procedures for cancelling the service. i could not return the phone because they would not accept it. i am asking for clarification on what the charges are for and how we can come up with an amicable settlement/solution.
11/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95826	Web
My information is was used for some sort of pet bill with XXXX XXXX XXXX that resulted in it going to Collections. I spoke with a representative regarding this account after I received a letter in the mail and called and told them I didn't recognize it she told me she would take care of it for me and apologized for the inconvenience it had caused me dealing with the idenity theft. Ive had an issue with false credit cards and inquiries on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I've attached a copy of my police report and a copy of my FTC idenity theft report and my valid ID and social security card to verify my identity. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.
11/20/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	DC 20019	Web
I recently met with my Realtor regarding my purchasing a new home. After pulling my credit report. I was informed of a collection from IC Systems. I saw this previously and disputed. This collections with XXXX. To no avail, as always XXXX sided with the Credit collection agency. Without receiving any proof of validity. So I went looking for any paperwork. I never signed an agreement or authorization with XXXX, or IC Systems.I also, did not sign an agreement of recurring monthly payments with XXXX or IC Systems. I was asked if I 'd be interested in signing up for Optimum Wellness Plan. That was it.I was charged for a Wellness Plan.I was charged for my 1st month payment.I was never given or received a copy of a signed agreement, nor was I informed that I ' d be charged a monthly recurring fee. I wouldnt have agreed to that. Seeing as I never utilized the Wellness Plan.I received the attached document that I was given. No signature b/w myself or XXXX or IC System.
03/17/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43227	Web
Recently while conducting a monitor of my credit report I discovered that I C SYSTEM COLLECTIONS has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from I C SYSTEM COLLECTIONS but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.
10/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 318XX	Web
The original creditor is XXXX XXXX XXXX. My daughter was seen at XXXX XXXX on XX/XX/XXXX. I provided all insurance information which was XXXX XXXX XXXX during that time with an effective date of XX/XX/XXXX. The representative did not update her account with that information and caused an insurance denial on the XXXX policy that was termed in XX/XX/XXXX. I provided the updated insurance to XXXX the day of the visit, XXXX XXXX XXXX after receiving a bill and IC System ( collection agency ). This information apparently was still not updated. I spoke with XXXX in the billing department for XXXX XXXX XXXX. He was not able to pull up any account with my daughter 's name on it, only my name and nothing with that date of service. I haven't been to that hospital in 10 years. There are two issues, no account with my daughter 's information and the insurance information provided on multiple occasions and now this is showing on my credit report due to their negligence.
03/28/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 49201	Web
I had an XXXX XXXX XXXX cell phone. I had their service for 8 years. With no notice or warning one day I could not call out. My calls were dropping, I could not hear incoming calls. This went on for over a year. I made numerous phone calls to them. I have to have a wireless carrier I travel for work and I have clients that I see that live is this area as well. I asked XXXX XXXX XXXX to let me out of my contract. I could no longer continue my service it was not working correctly. I had no choice but to turn my phone in and switch. XXXX paid XXXX XXXX XXXX. XXXX XXXX XXXX charged me for my phone that I turned in and was paid for. I have disputed this debt. I have tried to speak to them. I finally got the collection removed from my credit report. Only to have it added 2 months later. I was never notified in advance of the account being added. they are in violation of the reinsertion law. This is effecting my ability to obtain a mortgage. I do not owe this money.
10/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37931	Web	Servicemember
On XX/XX/XXXX, I checked my credit on XXXX and realized there was a derogatory mark on there. It is from XXXX XXXX XXXX and the collections agency is IC System. There are two separate accounts that have been opened in my name that I have not opened. The first account was opened XX/XX/XXXX and the second account opened XX/XX/XXXX. I received a copy of the signed agreements and they are both signed in my name but it is not my signature. I have never owned cats or stepped foot into a XXXX XXXX XXXX. I have contacted both the collections agency and the pet hospital. The pet hospital told me to contact the credit bureau. Apparently from the explanation at the pet hospital, a wellness agreement was signed so that they could direct debit monthly from the persons bank account. Since the bank account information had to be obtained for the person to sign the agreement, it does not make sense how they could put it on my credit report when it is not from my bank account.
07/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CA XXXXX	Web
I 've received XXXX calls from people at IC System named XXXX and XXXX, and in both cases, I was asked to verify who I am and my address. But when I asked who was calling and why, they would only tell me that they were with IC Systems and that they were calling about a " business matter. '' When I asked what the " business matter '' was about, they refused to tell me more until I verified my address. They both became increasingly indignant, and contunined to refuse to tell me what kind of company they were calling from and why they were calling. Not once did they mention that they were calling to collect on a debt. In XXXX case, I told the caller that not disclosing what the call was about was illegal, and the caller, XXXX, claimed that it was legal, saying that my information was already public and they just needed to verify it before disclosing why they were calling. It was only after I looked up IC System that I learned they were a debt collection agency.
01/03/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MI 48212	Web
Pursuant to 15 USC 1692g ( c ) 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. Notice of Dispute I.C. System, Inc. is a third party debt collector, and you are illegally attempting to collect an alleged debt in the amount of {$1500.00}. Pursuant to 15 USC 1692g ( b ) I am demanding I.C. System, Inc provide the name and address of the original creditor, and cease collection of this alleged debt. Pursuant to 15 USC 1692f ( 1 ) I am demanding I.C. System, Inc provide the authorized agreement between myself and I.C. System, Inc that created this alleged debt in the amount of {$1500.00}. Failure to provide any and all information is a violation of the FDCPA. Which will make I.C. Systems Inc civilly liable for any actual damages, and violations of the FDCPA pursuant to 15 USC 1692k. I.C. Systems, Inc has 1 day to respond to this CFPB complaint.
12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43219	Web
I have an unverified account from IC SYSTEM, INC. I had previously disputed this account. I have never done business with IC SYSTEM, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 756XX	Web
I have an unverified account from IC SYSTEM, INC. I had previously disputed this account. I have never done business with IC SYSTEM, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM, INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM, INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt
03/27/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30260	Web
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : Creditor agreed to delete Account Name : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
01/31/2021	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	TX XXXXX	Web
A 10-year old XXXX XXXX debt was removed from my credit report over a year ago. All of a sudden I get an alert saying it is added back on a year and a half later by IC Systems and the dates of open and close they reported are extremely misleading ( saying opened 2020 ). This would allow them to continue to attempt collections and report the debt for another 7-10years. Ive already disputed the item but this is a Violation of the Fair Credit Reporting Act as well as Fair Debt Collection Practices. This is highly unethical and lawless. I dont know what the statute of limitations is on things like this but I am considering hiring counsel. I have worked hard to clean my credit up. This could also constitute defamation of character since negative remarks such as this look as though I havent already been cleared of this. Especially when it continuously goes away only to pop back up again over a year later. They state it was open XX/XX/2020 and owed {$1300.00}.
12/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 368XX	Web
I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition, the company is reporting this account differently with all three credit bureaus, which I disputed, and the company verified. Different information with three different companies can not all be accurate, so it is very clear that the company verified inaccurate information.
10/24/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	MI 485XX	Web
I C System. Has stolen my personal information. I have no contract with I C System. and I have never given them any personal information of mines. How did they obtain my personal information? I C System is reporting illegal and unauthorize personal information on my credit report. I C System is using my stolen personal information to collect a debt What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given XXXX XXXX XXXX XXXX Notice letters of dispute, Opportunity to cure and opt-out request. I C System refuse to perform based on law. I C System Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue to be harass with illegal reporting that I never agreed to or authorize this use of my personal information.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 777XX	Web	Servicemember
Letter to Credit Bureau XXXX XXXX XXXX Credit Report File Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX NAME OF CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX : Complaint XXXX RE : Credit Report Dispute ( XXXX ) Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.
11/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS XXXXX	Web	Servicemember
I have an account with XXXX XXXX during the time after I would make arrangements I would still get calls from someone else that had no idea what the arrangements were this continued or they would change the amount I would pay and my account would default. I assume that they had so many people handling a lot of accounts and really did not know who was in charge in one week I have 7 different representatives contact me with 7 different terms and one rep did not know what the other rep was doing which is really sad. So I finally got one person this I thought well I signed a contract where my debt was {$1500.00} less and we settled for {$4500.00} with payments of {$180.00} per month. I did not hear from them after this so I thought this was the end of that well. I did not sign something and had to redo the contract so hopefully the {$180.00} would come out. Well that did not happen and I ended up being contacted by I.C. Systems Inc saying I owe {$5900.00}
10/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
Received original letter from XXXX XXXX, about a {$33.00} debt from XXXX under my name on FL, after contacting collector I identified it was the result of identity theft. Contacted the police and informed XXXX XXXX, submitting copies of Police Report, this was XXXX XXXX XXXX ; in XXXX XXXX I received a new letter from XXXX XXXX regarding the same issue - I quickly submitted same paperwork to them and formally asked the debt to stop being sold to new collectors - and to my surprise I just got a letter last week from IC Systems, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX about the same debt. It is clearly a case of identity theft, after I submit the paperwork thXXXX collectors never contact me again but they kept selling my debt/information. I just want this to stop. At this point I 'm not looking for legal reparations, but will if this practice does not cease. Please help me stop this non-sense. thx XXXX XXXX XXXX XXXX XXXXXXXXXXXX
09/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ND 58103	Web
Received a call from XXXX at XXXX on XXXX/XXXX/2015. The man on the phone kept asking for personal information, but when I asked him any questions he would only state that it was a personal business matter and could not provide any information until I verified my identity. I hung up on him without getting his name unfortunately. Today ( XXXX/XXXX/2015 ) I got another call from the same number. This time I made sure to get the woman 's name : " XXXX ''. She kept asking me to verify my information, and I kept refusing to verify any information until she told me the name of her company. She said it was " IC Systems ''. I asked for the company 's mailing address and she refused to provide it ( like actually refused! ) unless I would verify my identity. I could n't believe it and incredulously asked if she was really refusing to give me their address so I could send a cease and desist letter. At that point she said she was terminating the call and hung up.
08/11/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 19131	Web
Include dates, amounts, and actions that were taken by you or the company : In XXXX I had spoke with a rep from IC system who asked me if I could use the child tax credit payment on this bill that was on collections with XXXX. I kindly said I would call back or make another arrangement. I found my documents and started making payments online in XXXX XX/XX/XXXX I received a call from IC System concerning a collection account from XXXX. I started making bi weekly payments of {$25.00} via internet back in XX/XX/XXXX to IC systems. The rep confirmed that she did see the payment. I also received emails from XXXX confirming payment! was received to them I guess. The company still calls me although I am making payments. I had paid off another account with the same company two weeks ago. They can clearly see that I am making payments. I thought they were calling me about another account however it was for a XXXX bill that they do see payments are being made.
11/28/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02446	Web
My signature was forged on a lease release agreement form. This form was sent to me by the XXXX XXXX group on XX/XX/XXXX to extend the lease beyond my intended moving out date. I was asked to sign this form many times but I declined. After I moved out, the XXXX XXXX group claimed I owed rent for an additional month. I disagreed, as I had never signed this form. They nevertheless assigned a debt collections agency ( I.C. System Inc based in XXXX XXXX MN XXXX ) to collect the supposed debt. When I requested the debt collections agency to verify the debt. they sent me the lease release agreement form. To my shock, they have forged my signature on the form with a date of XX/XX/XXXX next to my name. I can prove in multiple ways that this is not valid. For one, the signature looks nothing like mine. For another, I have email records from XX/XX/XXXX ( after the date that they falsified my signature ) from the XXXX XXXX group requesting me to sign the form.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93551	Web
In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} I C System Inc {$820.00} XXXX XXXX XXXX {$100.00} XXXX - XXXX XXXX {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
11/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77089	Web	Servicemember
Due the the fact that in the above choices I have to choose from in the above box. My choice is not represented well so I had to pick one because my situation is based on the legal right to operate in the State of Texas as a debt collector and IC System Inc. does n't have the right to collect debt in the State of Texas. I am going to provide you with the Creditors Validation Letter I sent to them, I am going to provide to you the research from the State of Texas Debt Collectors Website to prove they are illegally trying to collect a debt. Finally, I am going to provide the certified mail document showing when they received the Creditor Validation Letter. This is a XXXX Account that never got service by XXXX because at the times of XX/XX/2012 and XX/XX/2012 they was not any service in my area for XXXX. What I am saying is they did n't offer service in my area so they closed the account out but still tried to bill me for an area they did n't service.
09/13/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NC 283XX	Web
In accordance with the Fair Credit Act, the list of accounts below have violated my federally protected consumer rights to Privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX ; XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX ; XXXX 15 U.S.C 1681 Section 604A states that I have the right to privacy 15 U.S.C. 1681 Section 604A section 2 states it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) states that a person shall not furnish any other 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.
10/04/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 303XX	Web
On XX/XX/2022 XXXX a lawyer who was helping me resolve this disputed debt called into Ic System which department states if your an attorney -- XXXX XXXX claimed to be an attorney representing the company, and when XXXX addressed ask if she was speaking with an attorney in office, ask us to hold while she transfer us to the Consumer affairs department which we then spoke with XXXX XXXX started laughing at us and raising her voice, telling us pay bill or action would be taken against us even taking jail, XXXX XXXX told her she was ending the call because this was violation of the FDCPA and lying about us talking with a lawyer and refusing to answer questions didnt believe we was calling a company that was giving false information., I called back and then spoke with XXXX who XXXX up on me. This company has never sent me anything and this company claimed I was calling a lawyer.. THe company was purchased by someone else, they refused give information.
02/08/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 770XX	Web
To whom it may concern : Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX. The following company does not have a surety bond on file with the XXXX of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail ( received by them on XXXX XX/XX/2019 ) that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. IC Systems XXXX XXXX XXXX XXXX XXXX, MN. XXXX Should further information regarding this issue be required, please let me know.
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30213	Web
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
09/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21239	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
07/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27609	Web
I closed a broadband account with XXXX when I moved. Their customer service rep did not tell me to return a depreciated modem. They then charged me for the purported value of the equipment. When I contested, they pointed to a clause in their contract to return items, but nothing in the contract explains how to return an item. ( Also keep in mind this was XXXX 2020, when COVID disrupted even traditional practices. ) They ( 1 ) did not ask for the modem to be returned or ( 2 ) explain how to return it. To cover their ineptitude, they have put this bill for a debt that I do not own in debt collection over the past year, through multiple debt collectors. I had informed them that the next collector would lead to a CFPB complaint. They are even now offering a 24 % discounthow kind. Only 76 % on the hook for their incompetence. They are repeatedly trying to use debt collection harassment to get a consumer to cover their own mismanaged operations.
10/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20874	Web
During a security clearance reinvestigation in XX/XX/XXXX, I became aware of a {$400.00} collection action on my XXXX credit report for a debt I do not owe. I had this debt removed from the XXXX report in XX/XX/XXXX and it has reappeared under a different collection agency. My XX/XX/XXXX complaint to XXXX County Office of Consumer Protection and the debt collector response are attached. I notified the new collection agency, IC System, that I do not owe the debt and requested proof of the debt. It responded with a nonsensical letter indicating that it intends to continue attempting to collect the debt. No proof of the debt was provided. My letter to IC System and its response are attached. I complained again to XXXX County Office of Consumer Protection and it sent a letter to the debt collector to which the debt collector has not responded. My XX/XX/XXXX complaint and the Office of Consumer Protection letter to the debt collector are attached.
12/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76039	Web	Older American
1. During spring of 2022, reviewed my credit reports and saw that I had a credit collection submitted by an unfamiliar company for an unknown debt. Contacted each credit bureau and had the collection removed. 2. Unable to contact the company that claimed the debt, i.e., XXXX. The customer support website was useless. 3. Received notice from IC Systems, the collection agency, demanding payment. 4. Sent letter to IC Systems in XXXX saying I did not owe the debt and would not pay. 5. Received notice from IC Systems in XXXX of this year increasing the amount due and demanding payment. 6. Payment coupon included with this " request for payment '' showed that the person who owes the money lives in a different state, a state in which I have never lived. 7. The amount originally claimed {$330.00}. The above-mentioned payment coupon shows an amount due of {$480.00}. 8. I'm also expected to return some equipment ; I have no idea what that would be.
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60453	Web
I received a collection letter from a company called IC System , Inc. on behalf of XXXX claiming that I owe {$4400.00}. However, I have never opened a XXXX Account. I contacted IC System and sent them a letter on XX/XX/XXXX, requesting verification of this debt. On XX/XX/XXXX, I received a letter from IC System stating that they were unable to verify this debt and removed the debt from my credit report. As an additional measure, I went to my local police station and completed a police report about this identify theft. However, on XX/XX/XXXX, I received a letter from a new debt collector, XXXX XXXX XXXX XXXX XXXX attempting to collect a XXXX Debt in the amount of {$4400.00}. XXXX and the subsequent debt collectors have been unable to verify this debt but are still continuing to try to collect this debt. They are now contacting me at my office as well. I have no idea how to resolve this matter further and I am seeking your assistance. Thank you.
06/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 441XX	Web	Servicemember
I have an unverified account from IC SYSTEMS. I had previously disputed this account. I have never done business with IC SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEMS Provide verification of the fol lowing : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemizat ion of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEMSCease and Desist all further communications and collection actives and provide the verification of the purported debt.
09/18/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 11385	Web
I had an outstanding balance of {$300.00} due to XXXX XXXX that I was not aware thinking insurance had paid for it. Since I was not aware of this balance, it eventually went to IC System collection. When they called for the very first time, I was informed they were trying to collect a bill for {$400.00}. I told them I was not aware of it and they followed up by providing the statement from XXXX XXXX for {$300.00} plus a XXXX collection fee. I informed them it was unfair to charge me a 35 % collection fee as I was not aware it and it very excessive. I told them I would pay the due amount or at least reduce the fee to a honest amount. They would not here it and told me I had to pay full amount or destroy my credit. Which they did the following month byt reporting a collection item on all XXXX credit bureaus. I am still willing to pay the correct due amount and hoping the negative information be removed from my credit report. XXXX XXXXXXXXXXXX
03/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33409	Web
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT 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 ).
06/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98040	Web
On XXXX I purchased an XXXX from XXXX XXXX through XXXX XXXX XXXX. On XX/XX/XXXX I returned the phone to XXXX XXXX. XXXX XXXX XXXX sent me an additional bill for the cost of the phone. I called them in XX/XX/XXXX to dispute the charge. I spoke with a someone named XXXX who started a XXXX way call with the corporate XXXX XXXX office. The XXXX XXXX representative confirmed that the phone had been returned. Despite this, XXXX and his supervisor claimed that I still owed the purchase price of the phone because they had a communication break down with the XXXX XXXX store and lost the phone and refused to do anything else. XXXX & at sold the debt. I did not receive any notification from IC Systems attempting to collect the debt or how I could dispute it. On XX/XX/XXXX, I noticed that IC Systems attached the collection to my credit report. I filled out the dispute form on their website and also disputed by email and they have failed to respond.
06/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 614XX	Web	Servicemember
This account is from XXXX on equipment return charges. The equipment was returned to the XXXX store because XXXX stated I had to return equipment by mail. They would not pick up their own equipment. I shipped the equipment and there was no phone call or letter that they had received it. After checking my credit report several months after, there was a collection for the charges on equipment. I called XXXX and they stated they did not receive the equipment. XXXX store in XXXX, illinois could not reproduce proof but remembered me shipping the equipment. This account is completely false and SHOULD not be placed on my credit report. I am XXXX years old and this is the only collection I have. I disputed this with all 3 credit bureaus and it was deleted. Now it has reappeared with new dates of delenquincy and XXXX will not delete after receipt of my dispute. The dispute was placed on XX/XX/XXXX. Please help me get this false account removed.
06/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89032	Web
I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
11/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21225	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
02/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
There is a Debt Collection Company called : I.C. System, Inc XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, who works on behalf of XXXX. They claim I owe {$1100.00} for equipment that I have already returned to XXXX XXXX XXXX. I was a short term customer of XXXX XXXX XXXX years ago but had numerous problems with there service. I cancelled service and gave the equipment back to there service technician. Years later I find a collection on all my credit reports for this equipment. I have spoken with XXXX XXXX XXXX on many occasions and explained the problem. They told me they no longer even use that equipment in there service but I have to deal with IC System Inc. I have Disputed this debt with XXXX XXXX XXXX, IC SYSTEMS. I DO NOT HAVE THIS EQUIPMENT, IT WAS RETURNED, I DO NOT OWE THIS DEBT! IC System Inc. Is negatively reporting on my credit reports and has even recently started the debt over again. I Want these people held accountable.
09/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10022	Web	Older American
I paid a monthly XXXX bill before moving to XXXX, and upon relocating got a bill reminder. Reached out but no success. Got a notice from debt collector, submitted proof of payment, they dropped the debt collection. Now, 1 year+ later, another debt collector, IC Systems inc sent a notice. I called, transfered around, would not give me a fax # or email, so then i went on their website to submit dispute, Did not here anything until now in their letter said i told them not to contact them, not true, then I got XX/XX/2022 a negative report on my credit 3 bureaus, scores down more than 60 points. I called ic system, and again no cooperation. They even told me they saw my payment, but insist i still owe, when their breakdown shows XXXX as part of the detail of what i owe. Actually XXXX owes me. I am submitting all documents of detail and proof of payment. I want this removed from my credit reports, and case closed now, 1 1/2 years later.
08/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	DE 19720	Web
I CONSUMER XXXX XXXX MADE A PAYMENT TO IC SYSTEMS ON XX/XX/XXXX. WHILE SPEAKING THE REPRESENTATIVE, I WAS TOLD THIS COLLECTION WOULD BE REMOVED FROM MY CREDIT AND NOT STATE PAID BUT REMAIN ON MY CREDIT. THIS ACCOUNT STILL REMAINS ON MY CREDIT 1 YEAR LATER. THE REP STATED THAT THE CALL WAS BEING RECORDED TO QUALITY INSURANCE AND I WOULD LIKE THIS CALL REVIEWED OR THIS ACCOUNT DELETED ASAP. DUE TO AGENCY LYING ABOUT THIS ACCOUNT BEING REMOVED AFTER PAYMENT, THEY HAVE VIOLATED 15 U.S. CODE 1692k ( A ) - CIVIL LIABILITY. DUE TO THIS ACCOUNT REMAINING ON MY CREDIT PROFILES I AM NOT ABLE TO OBTAIN HOUSING AND DUE TO THIS I AM IN THE PROCESS OF SUEING THIS AGENCY FOR ACTUAL DAMAGES. I HAVE REPORTED YOUT COMPANY TO THE XXXX AND CONSUMERFINANCE.GOV AS A FORM OF RECORD. STOP COLLECTION PROCEEDINGS AGAINST ME AND REMOVE MY INFORMATION FROM YOUR DATABASE SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DE XXXX
09/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02780	Web
I was a XXXX customer for many years, but due to some unfair practices " Free Tablet offer than after receiving the free offer they turn around an charge you for it along with a monthly charge for usage. I decided to stop using their service. However, my equipment was paid for. It appears after i discontinued service they accumulated extra bills on that account and turn them over to me as debt. I do not owe the sprint company any money. the XXXX company sold my name IC System and the IC System reported me to two Credit agency XXXX XXXX and XXXX. With information obtain from XXXX service. I contacted XXXX Customer Care on XXXX XXXX an the Rep. could not get access nor verified any information regarding that claim. I contacted XXXX XXXX and XXXX credit Bureau all of them fail to help me. I need HELP because the greed and unfair practice of XXXX have place my credit freedom on HOLD for far too long ... XXXX,, Help Please Thank you
05/15/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 34748	Web
They have been calling XXXX XXXX times a day, starting about two weeks ago. Each time I answered, I received no response. Also when I ignored the calls, they left no voicemail. Finally after them calling me four times already today, I answer in an aggravated time. I asked in a very irritated tone, " Who is this, and why do you keep calling me? '' They asked my name, so I repeated my question. They replied, " XXXX. '' I then asked, " With who? '' They replied with, " XXXX with ICSystem. '' I then proceeded to tell them that I did n't know who they were and to put me on the do not call list. Before I was able to say anything else, they cut me off and told me they do not have a do not call list and they 're debt collectors. They then told me that they would n't tell me what for unless I verified I was who they were looking for. I then hung up. I 'm looking for ways to stop them from calling, but my first step was to file a complaint.
03/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 530XX	Web
There is a collection remark on my credit report from IC Systems on behalf of XXXX XXXX XXXX for {$19000.00}. I never received any notification of this collection until it appeared on my credit report, and I have never held an account with XXXX XXXX XXXX in my name. Our account for the past 10 years has been in my wifes name and has always been paid on time. The collection was apparently filed against me on XX/XX/XXXX, according to my credit report, and as stated I never received notice of the debt from XXXX XXXX XXXX or IC Systems. I was not aware of this collection until XX/XX/XXXX when it appeared on my credit report. After I discovered this collection against me, I filled a dispute with IC Systems on XX/XX/XXXX and still have not heard anything from either company about this debt. This is a collection for an account that I never possessed or had any information on and is affecting my credit for something that is not mine.
03/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63116	Web
IC Systems appeared on my credit report from XXXX for {$2400.00}. I called XXXX to get and a break down explaining how I owe them this amount and they refused to provide me any information and instructed me to call IC Systems. I called them and they also could not provide me with a breakdown besides saying it was for equipment. I asked them what equipment was listed and they stated it was two phones. In 2019 I had only one phone with XXXX for two years and a digit line and the phone was paid off. The representatives could not give me any other explanation but stated they will do an investigation and for me to call back in a week. I called back multiple weeks without results or validation of the debt. I filed a dispute with the credit bureaus and they only updated the information and after speaking with an agent they stated nothing was submitted to validate the information but just updated it and instructed me to file a complaint.
10/02/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77095	Web
I have received numerous phone calls and now a debt collection notice requesting that the cable provider has not been able to obtain the cable equipment in my former home. I have been told that if the equipment is not returned I will be billed {$520.00} and if not paid, my credit will be impacted. This was told to me yesterday ( XX/XX/XXXX) by XXXX at IC System. I was divorced effective XX/XX/2017. In the divorce, my husband, XXXX XXXX was awarded the items in our home including the cable equipment. In the Decree, I was given no access to the home and my ex husband and I do not speak. I have written to him and asked him to return the equipment but I can not make him do it. He will not cooperate. I communicated this to XXXX in XX/XX/2017 with a cc to my lawyer and a copy of my Decree. See letter attached/uploaded. Debt collectors tell me they are going to report this to the credit companies and that will damage my credit.
08/16/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 641XX	Web
I recently pulled a copy of my credit report and noticed a collection account by IC as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]
11/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97402	Web
An account was opened with part of my information, not even all of the correct information and I closed immediately after. I never received service from XXXX XXXX, was never hooked up to XXXX XXXX, and never had a valid account. However they sent me a bill, when I called to dispute I was given the run around and transferred from department to person over and over then eventually hung up on. I have been hung up on multiple times while trying to call them to dispute this. I have sent emails to their company where they either do not respond, or tell me that the issue has been resolved. Only to find that I get another bill. I called again and was finally told the issue was resolved and my name ( even thought not even spelled correctly ) had been cleared. I had't received a bill in months, only to now get a letter from a debt collectors agency. When I called XXXX XXXX again to speak with a higher up manager, they hung up on me, again.
05/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 22206	Web
I.C. System Inc. Attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. The amount owed to XXXX XXXX XXXX before being passed to I.C. System IncXXXX was {$390.00}. I.C. System claimed a debt of {$1700.00}. After receiving notice from the Debt Collector I confirmed the real amount owed with XXXX XXXX XXXX who confirmed the {$390.00} was the correct amount. When contacting I.C. System Inc. and relaying the correct amount, the customer service agent said they saw the same numbers and had " been given the wrong number '' by XXXX XXXX XXXX. The Debt Collector said they would be adjusting the amount to the correct number and re-issuing the bill. It seems clear they attempted to get more money than what was actually owed until challenged. The medical service was rendered XX/XX/XXXX, the final statement was issued XX/XX/XXXX and the debt collection bill was sent XX/XX/XXXX, the conversations with both parties happened XX/XX/XXXX.
06/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 12601	Web
Debt validation letter XXXX XX/XX/2021 Name : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Company name : I.C. SYSTEM.INC Collection opened : XXXX XXXX Collection amount : {$780.00} RE : Account # XXXX 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 alleged 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. Best regard XXXX XXXX :
04/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33189	Web
On XX/XX/XXXX, I noticed this collection on my credit report. I called the company that placed the collection. they contacted the the company that place the debt with them. They reported to them that the bill was paid and that I do not owe them any money. I called IC System that the collection is still showing on my credit reports. I received a letter dated XX/XX/XXXX from I C Systems that the debt was paid and that they will no longer pursue collections and the information they reported to the credit agencies ( XXXX, XXXX, XXXX ) will be deleted. I have a copy of the letter. This collection was not removed and I disputed this collection with the credit agency. The credit agency updated the information from IC Systems as accurate. I contacted IC Systems about the collections still showing and verified as accurate. They stated there is nothing they will do or can do to correct this. Please help me resolve this issue. Thank you,
02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$200.00}. I am in receipt of your response, dated XX/XX/2021. Providing a bill is not proper validation that I, XXXX XXXX, owe a debt to I.C. System, Inc., or XXXX XXXX. You, nor XXXX XXXX, have produced a dated contractual agreement upon which I entered and agreed to establish a relationship. I am victim of identity theft and would like I.C. System to provide proper VALIDATION, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and also aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x.
06/18/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NV 89131	Web
I recently went to the police department to complain and file a report. They asked if before I went further with the report, that I can bring in solid evidence that my identity had been compromised. I then reached out to the bureau 's as well as the original credit numerous times, no documentation provided. Please note, the few times I've reached out it's been in seek of not just an itemized invoice. I then recently sent them my FTC report, it's now the 52nd day and no response. I, unfortunately, did not record the login information and had to update it today. I have no relationship with this collection agency or creditor and this is not my debt. I received no right to dispute, anything! It just appeared on my credit report. I've lived at the same address for 6 years, nothing has come to my home. Full violation of 609 and 823, as well as the FCRA that requires they respond to my FTC affidavit. I say all of this with humility.
02/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63111	Web
This account was deleted after an investigation by the credit bureau and then not a month later was added back onto my credit report under a different collection agency. This was an ongoing headache from XXXX who was over charging me and I tried for XXXX months to get it fixed. They neglected to fix it and hold their end of responsibility. I do not owe this company any amount and would honestly be inclined to sue them myself if this issue isnt resolved soon. I was a great and happy customer for over XXXX years until they unfortunately werent willing to fox the problem they created and it actually resulted in me losing a {$1200.00} device as well as deactivating my account and now Im being charged unfairly. This is theft at an unbelievable level. Please help me fix this issue. Im trying my best to pay up my balance and this issue is hindering me financially from being successful. You can reach me at XXXX. Thank you XXXX bless.
01/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33634	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
09/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91767	Web
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or were opened without my permission. I C SYSTEM XXXXXXXXXXXX Date Opened : XX/XX/20 Balance : {$540.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
06/16/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 322XX	Web
I. C. System Inc. XXXX XXXX XXXX XXXX XXXX, Mn XXXX RE : Your Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl. XXXX XXXX I XXXX XXXX Creditor to IC System Inc./Debt Collector Stop communicating with me regarding the above-referenced account. I refuse to pay this alleged debt. I don't know IC System. I never had any contracts/master purchase/ bill of sale/ assignment/terms and conditions/promissory note/ no bindings to pay any debts to/with IC System. I do not owe IC System any debts or fees. If IC System is buying paper in an attempt to collect debts from consumers without any written contracts/agreements I have no part in that. Cease all communication with me, my family, my friends, and all Consumer Reporting Agencies as soon as possible. Otherwise, I will consider this aggregated Identify Theft as I never gave my written permission for your agency to have my personal information nor to contact me or publish anything about me.
01/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OR 97501	Web	Servicemember
I have the money to pay my account in full and was Willing to do so but after receiving legal advice, I requested an email or letter in writing stating the XXXX would be paid in full and taken off my credit report. I was told, " we don't do that! ". I explained several times, I was prepared to pay the above amount in full but needed something in writing. I even suggested they send me a simple email with a letter stating the accepted pay off amount and removal of account with all three credit bureaus. Once again, they refused. I can not go against my legal council in this situation and don't understand the apprehension. In addition, they are strongly opposed to my wanting a paper trail by paying with a money order. Once again, I was advised by legal council to not give any bank account information. They are destroying my credit by hitting me with late payments and are unwilling to accept payment in lieu of this simple email.
02/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78634	Web
I haved filed with Complaints against XXXX with Consumer Financial Protection Agency against XXXX and now XXXX is damaging my credit and harrassing me everyday and nights and weekends in trying to collect a debt l do n't owed since 2015. My last filed complaints with Consumer Financial Protection Agency was filed on around XXXX XXXX, XXXX.filed XXXX complaint # XXXX. XXXX has collection company lC System Inc harrassing me on my cell phone XXXX and leaving voice messages. I am on XXXX XXXX XXXX and XXXX. I am taking prescribed medications. I am also a XXXX Military Veteran. Under my XXXX XXXX XXXX Act Laws Civil Rights XXXX or IC System Inc can not collect no debt under Federal Government mandated XXXX XXXX XXXX Laws Civil Rights and XXXX XXXX and XXXX can not display collections on my credit report. This is a Federal Government Consumer violations of the XXXX XXXX Laws implemented by Congress XX/XX/XXXX.for XXXX Act.
03/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	HI 96761	Web
I.C. System Inc. continues to harass me with phone calls and letters about an untrue, unproven, unverified, untimely and alleged Collection account, with their Reference Number : XXXX This account does not belong to me and was disputed many times and already removed from all 3 Credit Reports in 2021. I.C. System Inc. has never furnished me any proof that they have any legal right to collect on this alleged debt. There is absolutely no signed contract from me and the alleged original Creditor, that I agreed that this alleged debt was to be sold to a 3rd party, like I.C. System Inc. The bill I.C. System Inc. sent me, is not proof of any legal right to collect on a debt. I.C. System Inc. is in clear violation of 15 USC 1692. ( C ) ( A ), of the FTC - Fair Debt Collection Practices Act. I.C. System Inc. is also in clear violation of 15 USC 1692d 806 Harassment and abuse, by their constant harassing phone calls and letters.
11/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 410XX	Web
XXXX XXXX XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year. They directed me to I C System. The representative for the collection agency I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted I C System again at this time and they informed the previous agent I spoke with was out for the week. He continued to say that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX XXXX or XXXX service.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43230	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I C System, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
01/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48237	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests both the bureaus and collection agency, the unverified account I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) with the account number XXXX is still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be REMOVED asap.
09/17/2021	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	UT 841XX	Web
I C Systems has negatively reported {$2600.00} on my credit reports showing this as a new delinquent account. The original creditor is XXXX. I do not recognize the debt but even if the debt were mine, I've been with my current cell phone provider for over 2 years which means the cell phone debt is past the 2 year statute of limitations. At the very most, this debt ( if mine ) should be at least 2 years old on my credit reports. IC Systems just reported it negatively again ( XX/XX/2021 ). They show the account was opened in XX/XX/2021 but I didn't open an account with them. I've asked them to provide me with information on the debt ( once by phone, twice in writing ) and their response was " how are paying this debt today '' and then a letter telling me to get an attorney or something. ( Will try to find letter ). If the debt from XXXX is valid, it is over 2 years old and should be reported as such on my credit report.
10/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 170XX	Web
XX/XX/2019 I had a phone call with sprint about my phone bill account they sent me to ICS we spoke about an agreement of {$100.00}. a month and it wouldn't go on my credit report I made my first payment on XX/XX/XXXX it comes directly out of my bank account and they didn't take it out til XX/XX/2019 and I just made another one payment on XX/XX/2019 which made 2 payments I'm not the one in the wrong if they waited to take it out of my account so late then he is arguing with me telling me we made a different arrangement amount which isn't true I told him to listen to the recording he said he didn't have to and is telling me I can't keep sending {$100.00}. A month it has to be {$280.00} some dollars if we have to honor an agreement how is it they can change it and make problems for me when I'm trying to do the right thing..thank you if I am in the wrong then I'll fix it but I'm not and I'm making an obligation you pay it
03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98370	Web	Servicemember
I am XXXX military and lived in South Carolina in XXXX I moved out of South Carolina in XXXX of XXXX and out of my apartment complex. I had given a copy of my written military orders to the company showing that I was leaving the area on a military XXXX. I then had to go on XXXX at the beginning of XXXX until the end of XXXX. in XXXX I was contacted saying that I was overdue by 6 months on an electric bill. I had not lived in this location for any period of the time they had stated, and I was never contacted about a bill that was missed for this period. Only time I was made aware of this was when I checked my credit report and saw a large drop in credit. I had contacted the company about trying to resolve this issue and they agreed that this was an issue and should not have been reported as a debt. I am now receiving calls from a creditor asking to pay this amount and it is still on my credit report as an unpaid debt.
04/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 981XX	Web
I lived in XXXX XXXX XXXX during XX/XX/XXXX -XX/XX/XXXX. XXXX XXXX was my utility provider for a year or so. I moved to XXXX afterward, and never heard from XXXX XXXX and this collector I C SYSTEM at all ( e.x., phone/email/mail ). Recently I requested a credit report from XXXX ( XXXX XXXX XXXX ) and saw that I C SYSTEM has been collecting debit all the time ( even this month ). Apparently, this event has been affecting my credit record for a long time ; I am willing to pay this {$52.00} bill, but I have to know that what it's for. Also, I don't have any reference number for paying on I C SYSTEM INC 's website ( https : //pay.icsystem.com/ ). Thus, please help to me to resolve this issue and hopefully repair my credit score. Thank you! Account Name : I C SYSTEM INC ( XXXX ) Original Creditor : XXXX XXXX Open Date :XX/XX/XXXX Balance : {$52.00} Contact Information : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
11/22/2021	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	VA 23453	Web
XX/XX/XXXX I sent a letter to the 3 major bureaus outlining inaccurate and unverified accounts on my report. It is almost 60 days later and I have not received remedy. The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be deleted from my credit report. IC systems is in violation of consumer rights and reporting false information on public consumer reports.
06/05/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN XXXXX	Web
I never receive notice from IC system collections nor XXXX as to why they reported a negative item on my credit report. I was a Customer with XXXX for 5 years and are no longer in contract for mobile services. XXXX is negatively trying to collect for amount not owed and charge for devices that were given free with services. XXXX has try to sell this debt to different collection agency and had to be removed from my credit report because debt could not be validated. I refuse to pay a debt that I do not owe and has fulfill more than my 2 year agreement with this company. XXXX has sold this debt to a IC system collections which I have sent a certified debt validation letter to this company requesting to prove debt owed with sign contract l. no response has been given. I am requesting that IC collections to be removed from my XXXX credit report. Because of this negative impact I will not be approve for my new home.
07/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38115	Web
I received a letter from I.C. System. I have sent 1 letter asking them to validate the date. I asked I.C. System to show me what written contract do I have their company. They sent me another letter with a copy of a XXXX bill. I mailed a letter to them on XX/XX/2019 asking them to explain AGAIN to show me where do I have a contract with I.C. System. They never responded. This morning on XX/XX/2019, I get an alert that I. C. System is reporting on my credit report. This is NOT FAIR because they haven't given me any valid proof where I owe I. C. System. I have been in constant written communication with them. Now they are tarnishing my credit. They don't even have written permission from me to add themselves onto my credit report. They DID NOT provided answers and documentation I have requested. They can't even show anything bearing my signature. This collection agency need to be removed from my credit report!!!!
04/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 84663	Web
IC Systems-XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.
04/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 84663	Web
IC Systems-XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.
11/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	UT 847XX	Web
I was billed {$85.00} for XXXX XXXX by XXXX XXXX XXXX that were performed for my wife XXXX 's XXXX XXXX on or around XXXX XXXX. I paid the bill through my medical savings account on XXXX/XXXX/XXXX. For some reason the payment was not recorded and before I could resolve the issue with them was sent to collections. IC System have been attempting to collect the {$85.00} from me for the past year. I have talked to IC Systems several times on the phone over the past year and have been unable to resolve the issue even though I have sent them documentation showing that the bill was paid. Every time I talk to them on the phone they post another negative report on my credit score. I know it 's just {$85.00} and I could just repay the bill again but it 's the principle of having paid my bill and still being sent to collections. I would like this resolved and the negative reports taken off my credit score. What can I do?
11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 443XX	Web
I have sent a certified letter to I. C. Systems and XXXX asking for debt validation and letting XXXX know that they didnt do a status change its illegal for an account to say collection and have a past due balance. Attached in this file I will have the Certified letter I sent to I. C. Systems and the XXXX. I have not received a response back from I. C. systems regarding the account that is being reported on my credit report. Also I. C. Systems does not carry a license to operate In Ohio. I received a letter from XXXX saying that the account was verified but I was never sent any written documentation showing that account is mine. So how was it verified? Per the fair credit reporting act I have the right to dispute these items being inaccurate on my report in section 319. I also did not give my consent for this per Section 604 15 U.S.C 1681B, Section 605 A 15 U.S.C 1681 C-1 and Section 605 B 15 U.S. C 1681 C-2.
07/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66104	Web
I reached out to the company I C Systems ( XXXX ) about this alleged debt on my report on XX/XX/2021 and my complaints fell on deaf ears. I've also filed a XXXX complaint on XX/XX/2021 and after that they finally responded by sending me a bill. When i filed a CFPB complaint they said they would mail me information and you closed it but they didn't mail anything. I have been asking them to validate this alleged debt for over 120 days and all they did was send a bill through the XXXX portal not even to me. How can they fail to validate this debt for over 120 days and still report it on my credit report. I know if they can't validate it in 30 days they must delete it off of my report. Well its been 130 days and no proper validation. A bill is not a validation i asked them for the original application that shows the debt is mine but they are playing games and ignoring me. They must delete this information ASAP.
01/10/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 91411	Web
I had an XXXX done and I was under XXXX help in the state of NJ. XXXX hospital in NJ. The hospital knew that I was unemployed at the time because of my XXXX XXXX having gone through XXXX different XXXX in under 1.5 years. And yet they sent me to a XXXX who was outside of the XXXX network who of course billed me after the procedure was complete. The Hospital knew that the procedure was imperitive and yet they chose to send to a doctor who was outside of their network. Though I had asked them repeatedly about sending to a doctor inside of their network so I 'd be protected under the state XXXX program and insurance. Now i have an outstanding debt on my collections for the amount of about $ {$1700.00} and it is affecting my credit ratings. Please advice me as I do n't know how to move forward to have this taken off my credit records. Thank you for your assistance. My email is ( XXXXXXXXXXXX ). Name : XXXX XXXX
06/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46342	Web
XX/XX/XXXX I received a letter from I.C. Systems regarding an account with XXXX. I did not open an account. On this date, I spoke with XXXX XXXX and XXXX with I.C. Systems regarding account # XXXX and I.C. Systems ( I.C. reference # : XXXX, phone # : XXXX ) did share it was services for location at XXXX XXXX XXXX in XXXX XXXX, NV between XXXX, XXXX to XXXX, XXXX. I do not live in XXXX XXXX, NV nor do I have any family members that live there. We indicated to XXXX that this fraudulent and not my account. She then indicated to go onto XXXX and submit fraudulent submission, which I did. The amount due on the account that was opened is {$760.00}. I also filed a police report with my local police department and filed with FBI 's website. Today, XX/XX/XXXX, I am filing this report with the FTC. I.C. Systems continues to report the collection item as a new account and it having a negative effect my credit profile.
04/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 484XX	Web
I was in debt with XXXX. On XX/XX/2019 I contacted XXXX to settle my debt. They agreed to settle for {$100.00}. I made sure to receive an email stating they the account was in fact paid in full from the representive prior to disconnecting. Once I received the email, I disconnected. This past week ( XX/XX/2019 ) I received a letter from a new collections agency stating that I still owe the debt to XXXX and that they are trying to collect the funds from me again. I contacted the new collections agency letting them know that I have proof that I do not still owe the funds and that it was paid. I also contacted XXXX with the same information and emailed them a copy of my bank statement along with the email that stated my account was closed in full. The new collections agency stated they can not stop this account from reporting to the bureaus and that XXXX has to pull the account from them to stop further action.
04/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19720	Web	Older American
XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX refuses to remove it from my credit report. I called XXXX XXXX XXXXXXXX XXXX to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.
10/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44125	Web
Credit collection agency " I.C. SYSTEMS '' is DOUBLE-REPORTING an account for {$160.00} on my XXXX credit report. I. C. SYSTEMS did correctly report only one account on my XXXX XXXX credit report, but have taken the illegal liberty to report the same account twice to XXXX XXXX. Such reporting was done within a few days of each other. I disputed the duplicate reporting to XXXX on XX/XX/XXXX and received confirmation number XXXX. However, I.C. SYSTEMS confirmed that both accounts are mine, which is incorrect. Both accounts are NOT mine. Only one account is mine from the original creditor, XXXX/XXXX XXXX XXXX. Again, today, XX/XX/XXXX, I disputed the information with XXXX and received another confirmation number, XXXX. However, as a result of I.C. SYSTEM 'S incorrect reporting, my XXXX credit score nose-dived about 40-50 points, which is COMPLETELY UNACCEPTABLE because it is based on their erroneous error.
04/11/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	IN 46260	Web	Older American
Attached is a copy of my credit report provided to me by XXXX XXXX XXXX XXXX XXXX XXXX ), and I ask that focus be put on the collection showing placed by I.C. System, Inc whose phone number is XXXX. Their collection is being reported to both XXXX and XXXX XXXX. They indicate they opened collection on XX/XX/2022 in the amount of {$310.00}. I ask that they confirm the validity of that collection, and I ask that both XXXX and XXXX confirm this validity as well. I also dispute the validity of this XXXX XXXX XXXX charge altogether because during the pandemic, I tried to subscribe to the XXXX & XXXX service. The company had difficulty connecting my service, so I called and let them know after many attempts that I want to forgo service with their company. I did not sign a contract with this company at all during this time.. In conclusion, I was never provided service with XXXX XXXX XXXX and they still charged me.
02/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32311	Web
hello! My NAME IS XXXX XXXX i had service with XXXX # XXXX on term of one year contract not to be renewed automatically after that i had paid them in advance for the whole year on that terms they still came and service after that and tried to collect money kept sending me bill, i called to explain twice no response in helping instead they send this to collection agency and now i m getting harassed for something i m not responsible! i called collection agency I.C.SYSTEM INC. ( XXXX ) ACCOUNT NO XXXX, EXPLAINING THEM THEY ALSO DONT WANT TO LISTEN INSTEAD THEY WANT ME TO MAKE PAYMENTS, I ASKED THEM WHY SHOULD I PAY FOR SOMETHING I DID NOT ASK FOR BUT STILL NO HELP JUST SAME ANWER SO AS A CUSTOMER I FEEL LIKE THERE IS NO ONE TO LISTEN TO MY STATEMENT BUT TRIES TO CHARGE ME FOR SOMETHING THAT WAS NOT ASKED OR REQUESTED FOR.THANKS LOOKING FORWARD FOR SOMEONE TO HELP ON THIS MATTER.APPRECIATE ANY HELP, XXXX XXXX
05/07/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 44001	Web
It will not let me file another complaint using " debt not owed by me '' but I have evidence of IC Systems removing their accounts from my XXXX credit report but failing to do so on my XXXX report. I indicated that I had no knowledge of the debt, because I don't, and they removed the collections account from my credit report. Below are dates from XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, all three accounts are shown. On XX/XX/2018, only one is shown. On XX/XX/2018, none are shown. It is illegal for a debt collector to report inaccurate information to one credit bureau and delete collections from another bureau. All information, whether accurate or inaccurate, must be reported the same across all three bureaus. This company will face legal action from myself if not removed 30 days from receipt of this complaint. This debt is not mine, hence why I disputed it, and want it removed immediately.
04/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CT 068XX	Web
I dispu ted a derogatory item placed on my credit report by IC SYSTEM INC in err or to XXXX , XXXX and XXXX -- XXXX and XXXX fixed the error by removing the item from my credit report -- XXXX DID NOT. XXXX refused to remove the item and said so after their " investigation '' was complete. I disputed this item with IC System ( a collection company ) and they have not even acknowledged my complaint. On XXXX I resubmitted my dispute with XXXX and warned both IC System and XXXX of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband XXXX 's ) is IN GOOD STANDING with XXXX XXXX ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29223	Web
INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX XXXX : XXXX COLLECTIONS XXXX. XXXX XXXX {$1400.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE 5. IC SYSTEM COLLETION {$870.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$210.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE
06/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 395XX	Web	Servicemember
In XXXX this agency XXXX XXXX reported this on my credit. After calling and speaking with them letting them know I have no knowledge of this report as the cable they supplied was not my house. They never had my identification or my signature on anything. They removed it. In XXXX they reapplied this same collection onto my credit and I disputed it and got it removed. Now currently once again it is back on being reported. During the time they supplied cable service to an address I was actively ( still XXXX XXXX ) serving in the military in XXXX, then XXXX. Its no way possible I opened an account with XXXX. As soon as I turned XXXX years of age I went away into the XXXX XXXX. At this point its harassment. This round I keep disputing and no one is replying to my letters or my phone calls in the matter they keep mentioning I have to pay. I refuse to pay for a service i never acquired or have any knowledge of.
05/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44004	Web
Hello, On XX/XX/2020, a dispute was settled for a past cable bill I shared with a ex about 15 years ago. The debt collector at this time was called "XX/XX/XXXX. '' It is for " XX/XX/XXXX XX/XX/XXXX'' This was deleted from my credit report on the date listed above. Here are the results of my dispute : ITEM IN DISPUTE XX/XX/XXXX XX/XX/XXXXXXXX DISPUTE REASON : Accuracy This account is too old to be on my credit report. This account is closed. RESULT : Disputed item deleted XX/XX/XXXX investigated your dispute and deleted this item from your credit report. Now, it has appeared back on my credit report under " I C SYSTEM '' It is for " XX/XX/XXXX XXXX. '' I am not responsible for this account and it should be deleted from my account. They should NOT be allowed to change debt collecters and start the process all over again. Please look into this and delete from my credit report ASAP. Thank You, XXXX XXXX
12/20/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 75034	Web
on XX/XX/XXXX, I received a flag on my credit report that I.C. Systems placed a collection flag on my credit report, and as a result my credit score dropped XXXX points. Up to this point I had not been contacted in any form ( postal mail, email or via telephone ) by I.C. Systems, and when I called the contact number from my credit report, they informed me they were collecting on a debt from XXXX for an account that resides in Illinois. I informed them I do not now, nor have I ever lived in Illinois, and they said there was nothing they could do that I would have to file a fraud claim with XXXX which I have done to resolve the issue. I have not ever resided in Illinois at the service address for the collection account, I.C. Systems did not at any time try to contact me to validate that the debt belonged to me, they just matched my name and took a chance that this account belongs to me which it does not.
11/29/2021	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	TN 379XX	Web
There is an old cell phone bill on my credit report from IC Systems. They have not proven to me with a contract with my wet signature that it is indeed my bill or that I have a contract with them and agreed to owe them anything. However, there is a FEDERAL statute of limitations of only XXXX years regarding phone bills and reporting them. The account I did have with the phone company in the past is past the federal statute of limitations. This collection agency is breaking FEDERAL law by refusing to delete this from my report. I have disputed it more then once and they claim valid and verified and refuse to delete and have not shown me any kind of physical proof to back up their claims. As I said cell phone bills are a special case and have a statute of limitations of only XXXX years on a federal level and they are breaking federal law by not removing this. It must be deleted from my report immediately.
11/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	ID 83714	Web
I moved my home and transferred my service for XXXX XXXX and XXXX XXXX internet services in XXXX of XXXX. I had ongoing billing problems with XXXX XXXX for the next 8 months. I spent no less than XXXX HOURS of my time on the phone and online trying to get them to remove their billing mistakes on the old accounts. I was told that I had paid in full and thought my accounts were correct. I am still a current customer. I have had continuous service with both companies. Recently the company sent me to a collection agency in the amount of {$710.00} without making any attempt to notify me first. I have disputed these incorrect charges with all three major credit reporting agencies. I refuse to spend more time contacting XXXX XXXX billing department. They were able to keep turning off my XXXX XXXX services ( 4 times ) during these 8 months. I demand that they remove the collection attempt from my credit file.
03/16/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	NY 10009	Web
I am desputing a debt that was put in my name, that should be in my father 's name. I am XXXX XXXX XXXX my dad is XXXX XXXX XXXX. I am including my fathers birth certificate. I am not liable for this debt, it is not the first time they put fraudulent debt on my my credit that belongs to my dad. I was still in high school, I was not working to pay for the XXXX XXXX bill that was my dad 's responsibility. This was previously removed and has been added again when it should never have been there in the first place. Please remove the following debt listed below from my credit report. My email is, XXXXXXXXXXXX. You can respond to this email address. Thank You for your understanding. Sincerely, XXXX XXXX IC Systems XXXX XXXX XXXX, 2016. This is for a XXXX XXXX bill of XXXX, that my father 's owe. This is debt was removed and added again, when it never should of been on my report, Please have it removed again.
01/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19064	Web
I manage my moms finances as she is XXXX and no longer able to handle. I pay her bills online. She had a bill due to XXXX XXXX ( an XXXX company ) for {$38.00}. I confirmed this amount in a phone call to XXXX on XXXX/XXXX/XXXX. I spoke with XXXX. This amount was paid electronically via my mothers online bank account and confirmed delivery to XXXX on XXXX/XXXX/XXXX. Today, XX/XX/XXXX, I received a letter from a collection agency IC SYSTEM saying I owe {$38.00} as of XXXX/XXXX/XXXX. I immediately called XXXX and according to their automated System the balance on the acct is {$0.00}. No one was available in billing because today is Sat. Since my mother 's bills come to me they have put my name in collection for no reason and damaging my credit rating which has been stellar to date ( XXXX ). I am getting harassed by this collection agency with many calls throughout the day leaving no messages. Thank you.
03/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WI 54911	Web	Servicemember
XXXX originally charged me {$74.00} for a service last year. I originally disputed this bill on XXXX. ( screenshots of my chat with XXXX attached ). I cancelled my service with them on XX/XX/XXXX and returned the retened equipment, as of that point I could no longer use the service they provided. However, they decided that I had to pay full price for the service that I could no longer recieve. When I disputed the charge they told me it was a subscription and I didn't have a choice. Since then XXXX sent the bill to a debt collector, I.C. System Inc. I have spoken to them multiple times and informed them of the situation. I offered to pay the amount up until the cancelation date if they would consider the debt collected in full. The collector agreed over the phone and accepted payment of {$42.00}. Dispite this, I am still getting letters from the debt collector asking me to pay the remaining balance.
04/30/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MN 55075	Web
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts be verified or removed immediately :
01/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Received unsolicited financial product or insurance offers after opting out	GA 30067	Web
-In XXXX of XXXX i declined to pay {$100.00} to XXXX XXXX XXXX XXXX -In XXXX of XXXX i received DEROGATORY ACCOUNT from IC System and my Credit Score was decreased in 30 points. ATTENTION! ALL FOLLOWING ACTIONS OF IC SYSTEM ARE INAPPROPRIATE AND ILLEGAL! XXXX XX/XX/XXXX i received FOUR DEROGATORY ACCOUNTS, {$100.00} each. My credit scores were decreased ANOTHER TIME. -I submitted complaints, probably, twice, and received a response from IC System they are going to leave me alone, but it never affected my alerts. -In XXXX OF XXXX i received already TWO!!!! Derogatory accounts from IC System, {$100.00} each. -I gave IC System telephone call and requested to solve the issue, but I never heard back from them. STOP MESSING UP WITH MY CREDIT SCORES! I WAS NOT PREAPPROVED FOR MY CAR RE-FINANCE BECAUSE OF YOU! I WAS NOT APPROVED FOR CREDIT CARD! GET OUT FINALLY OFF MY ACCOUNT! I WILL NOT PAY YOU! NEVER!
10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	DC XXXXX	Web
I got notice that a collections was placed on my XXXX credit report by IC Systems. Upon review, I found out that it 's the same account and amount that I had previously requested to be removed from my credit report. It appears that IC Systems has re-reported the same debt after they 've confirmed that it will be removed from my credit report. Attached are my XXXX credit report dated XXXX XXXX which shows entry of collections account from IC Systems, XXXX/XXXX/XXXX letter to IC Systems asking them to validate the debt, XXXX/XXXX/XXXX letter from IC Systems stating they will remove the account from my credit report, recent XXXX credit report dated XXXX XXXX showing that IC Systems has reported the same debt for collections. I have sent a dispute to TransUnion for this account. This debt arose from identity theft when my purse was stolen in XXXX XXXX ( in support of this, attached is the police report ).
07/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CT 06514	Web
I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from XXXX of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.
08/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	MA 014XX	Web
We were on an automatic payment plan however our checking account was automatically closed due to hacking. Called IC to explain why they could not get payment and tried to setup plan with new account information and women stated that could not be done and I had to pay in full. She was very rude and would not put on supervisor. I finally gave up and said I would call back. I called back at a later date and setup the automatic payment with the new information with no problem. However, just realized they sent our account to the credit report. Called back and spoke to a women and she explained why and just insisted I should have paid the bill. She would not listen to me and I asked to speak to someone else and she refused. She actually hung up on me. I dont know my legal rights but they never sent a notice that this account was going to be sent to my credit report. Please help get this off my credit report.
08/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33905	Web
I have previously disputed two debts listed for collections by a 3td party agency via XXXX XXXX for XXXX an XXXX XXXX that were supposedly open in WA state in XXXX. Both were removed from my XXXX credit report as fraudulent. The agencies have apparently sold the debt to a new agency or the original creditors provided the info to a new agency and the debts are again showing on my credit listed with ICS Systems out of MN for XXXX XXXX {$240.00}, and XXXX XXXX XXXX for XXXX {$430.00}. I feel all creditors, Collections Agencies and Reporting agencies are grossly violating my rights as I have disputed these debts due to identity theft or fraud on multiple occasions and the accounts removed due to inability to validate the debt only to have them put back on my credit again by a new Collections agency that did not validate the debt and the Reporting agency did not prevent this repetitive abuse and harassment
04/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91405	Web
On X/XX/17 at XXXX XXXX I contacted IC System for a debt they had in my name for XXXX XXXX XXXX in the amount of XXXX. The Rep gave me the amiunt and I asked what kind of deal wee could make t pay it. He said he was authorized to reduce it to 75 % of the debt resulting in XXXX. I agreed and gave him a check by phone. He told me I would be receiving a letter paying the debt off and they would report it as paid that weekend. The check cleared my bank on XX/XX/17 for the amount of XXXX on XX/XX/17 instead of the pay off letter I was expecting to receive in the mail I received a new bill for the amount he reduced my bill for. Under our agreement I paid this debt off and no longer owe them anything. I have tried contacting the company and I have now disputed the debt with the credit burues. IC System has broken our agreement of the debt being paid off and is reporting it as a negative account on my credit.
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85296	Web	Servicemember
I had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to XXXX and XXXX is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and XXXX needs to do the same.
03/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95758	Web
I received a letter from IC System dated XXXX demanding payment of {$100.00} for a debt owed to a company called XXXX. The account number they assigned is XXXX and the IC XXXX number is XXXX. I have attempted to contact IC System by phone but the number provided in the letter goes to a vacant voicemail trunk and there is no other phone number provided. I was a stay-at-home mom when my children were small. They are adults now and I have not had children of daycare age for quite some time. Additionally, I have never had an affiliation with XXXX and do not owe money to them. This has not curbed IC System from attempting to collect on this " debt '' that I do not owe anyway. What further steps do I need to take to prevent this from hitting my credit report? I have a 800+ credit score and the last thing I need is some scam artist dragging that down. Any help you could provide is greatly appreciated.
05/08/2021	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	TX 77581	Web
My ssn was stolen a few years back and I have had random accounts like I.C. Systems pop up over the years which XXXX and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX approved and taking next steps to make sure all involved are held accountable!
02/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
On XXXX XXXX, XXXX Report Number : XXXX I filed a dispute with XXXX about a U verse account {$1800.00} that was not opened by me, nor did i give anyone permission to use my information for opening an account in my name. I called XXXX to make them aware of the account thats now reporting on my credit report. And was told to contact the collection agency that has the account. I called the number listed on my credit file for the company and the number was disconnected. I sent experian a letter asking them to verify the account, and ask them to send me a copy of the information or contract that this account belongs to me, and was denied that information. I also, sent them information about the 14 USC 1681e ( b ) ; 1681i- ( 2 ) ; 1681i- ( 7 ) ; and 1681i- ( 6 ). and the results came back within 24 hours as verified. Please have this account removed immediately, as im in the process of purchasing a Home.
12/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90057	Web
I was emailed by XXXX yesterday about a change in credit score due to an outstanding debt that I have on my record. I found it odd, since I have never missed a payment on any of the debts that I owe. I checked and see that I have an outstanding debt balance of {$3800.00} originating from a company called ( I C SYSTEM INC ) that I do not recognize. I requested XXXX to dispute this and see it was originated from XXXX XXXX XXXX. I have never used XXXX XXXX XXXX as a carrier before and have never received any type of documentation regarding this matter. It states this was opened in XXXX of this year, but XXXX XXXX was in a state of lockdown during that time, so I have no idea where or how this could have happened. As a result of this my credit score dropped from XXXX to XXXX ... This is a charge that I am completely unaware of and it is affecting me financially, especially during these hard times.
09/13/2019	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	CA 90713	Web
I clearly asked ic systems if they report to my credit as this loan has not been on my credit since XX/XX/XXXX. I was advise they IC systems does not report to credit. I clearly stated I am willing to work with this month if they do not report to credit. If they die I can not work with them until XXXX. The rep stated IC systems does no report to credit as they legally do not own my debt. Following this I was advise if I did not make a payment this month my loan would become a lawsuits against me. I just started a new job and can not afford anything until XXXX. They pushed me into a payment this month. I find it unlawful and misrepresentation as I was told they legally can not report to my credit due to not owning my loan. As of XX/XX/XXXX my credit went down 18 points as they did in fact report to my credit. I read reviews today XX/XX/XXXX that show other people were mislead as well.
12/12/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	IL 623XX	Web
I was refinancing my home loan with another bank ( XXXX XXXX XXXX IL ) and the bank asked me about a debt collection that is showing up on my credit report. XXXX So I called the collection company that is was listed with IC Systems Collections. I explained to them that I had never had XXXX. They had me fill out a Affidavit stating what had happened, I had to file a police report, and send them a copy of my drivers license. Which I did all that was asked and mailed them in. A few weeks ago I called them to see where things were and they said they received my information but everything was on hold. They gave me a persons name and address on the account that I've never heard of. Now I received a report today stating Investigation Results- Verified as accurate and updated. This identity theft has wrecked my credit. I want it removed from my credit report. I submitted everything that was asked of me.
11/22/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	SC 297XX	Web
My original dispute started with I.C. Systems on XXXX. The above company ( I.C. Systems ) is currently violating both 15 U.S.C. 1681s-2 and Regulation F, for not properly validating this debt as previously requested and received in writing from me on both dates XX/XX/2023 and on XX/XX/2023 per my attached USPS proof of delivery. When validating the amount owed, they never sent proof of the following : 1. The date on which this became a debt up to our current date 2. The amount I was charged in interest that makes up this debt 3. The amount I was charged in fees 4. The amount I have paid in total on the debt 5. The accurate amount due ( From the above # s 1-4 ) as of today Also, this company is currently in violation because they knowingly violated 15 U.S.C. 1681s-2 of the FCRA, which expired on XX/XX/2023, by not removing the tradeline as requested with incorrect information on my consumer report.
05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34769	Web
I hired XXXX law to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over XXXX XXXX XXXX. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. XXXX XXXX XXXX IC Systems XXXX XXXX multiple accounts XXXX multiple accounts
04/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21237	Web
Was contacted today XX/XX/XXXX by IC Systems. Caller asked for me by name and recited my physical address asking for verification. I asked who was calling & caller responded IC Systems on a personal businesss matter. I replied that I had a prior complaint against IC Systems for harassment and fraudulent collection attempts, ( see complaint XXXX ) and that if this was a collection attempt I intended to file another complaint & initiate a FDCPA compliant as well. Caller stated they would remove my contact information from their files. However, they should have never had my contact information because in XXXX, IC Systems attempted to initiate collection on an illegal & fraudulent debt and agreed to cease and desist all contact after a complaint was filed. This new attempt shows that IC Systems is in fact actively seeking my information with the intention to use it for fraudulent collection attempts.
12/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92691	Web
In reviewing my credit report I noticed an account in collections with IC Systems ( XXXX ) from services provided by XXXX XXXX XXXX XXXX, years ago. I closed the account with XXXX XXXX XXXX which had been on 'autopay ' every month through a credit card. I returned all the equipment via mail to XXXX XXXX XXXX as directed. The amount in collections is an even {$200.00}. Reasons to believe this is not accurate & have it removed from all credit reporting to XXXX and XXXX : - If I was on autopay, how could this ever have had a balance to go unpaid - The even dollar amount is suspicious as these types of services are never an even amount - XXXX XXXX XXXX wo n't speak with me because the account is closed - XXXX XXXX XXXX continues to seek my business, why is this if I was a delinquent customer? - This does n't appear on my XXXX report. With the reasons above, please have this removed immediately.
07/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77396	Web
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to I.C. System Inc. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by I.C. System Inc. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of I.C. System Inc.
06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70810	Web
I.C. Systems Inc is reporting a delinquent account on my major credit bureaus that I owe them/this company {$1000.00}. I do not know what this company is. I have never conducted any business with I.C. Systems. On XX/XX/2023, I mailed and faxed written notification requesting proof of contract to substantiate I.C. System Inc 's claim to XXXX, XXXX XXXX XXXX that I am indeed the correct party they are seeking to collect this debt, yet my legal demand has gone unanswered. I.C. System Inc has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
11/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10451	Web
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
10/26/2022	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	CA 92336	Web
This company has refused to address me through the XXXX website and yet chose to contact me outside of this complaint and send me verification which I never asked for. Further communication from this company after I demanded them to cease and desist all communication with me is a direct violation of the FDCPA. After deleting this account from my consumer report, IC Systems reinserted this negative account back onto my consumer report without notifying me within XXXX days. I reaffirm that I do not owe this company any money and I refuse to pay any alleged debt. They have violated my cease and desist by sending me further information in the mail. IC Systems is using extortionate means to collect on an extension of credit that is not due to them which is punishable by jail time. Also stating that I am indebted to them for this account is a false claim and subject to criminal and civil liability.
08/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 357XX	Web
I had an issue where XXXX caused malpractice harm to my animal. This resulted in additional expense at another vet hospital. Due to this issue, they agreed to release and cancel my contract since they violated the terms of the agreement to provide quality and medical competence to be a vet clinic. After 6-7 months IC systems was given an account saying I owed over a XXXX dollars. That is not valid. I have verbally disputed with them on multiple occasions and they continue to be unable to validate that I owe a debt and are using abbusive collection tactics and are refusing to validate the debt as the law required them to do with the FCRA. In addition, I was never given a 30 day notice of this debt. They proceeded to report to credit despite all my disputes. They have violated many strikes and I am requesting the immediate and total release of this debt and have it removed from my credit ASAP.
11/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 325XX	Web	Servicemember
I am having issues disputing a debt on my credit report. I have spoken with XXXX XXXX XXXX and their third party collections agency IC System. My issue was that I was unaware of a debt from XXXX owed to XXXX XXXX. I have since paid my debt to XXXX XXXX back in XX/XX/XXXX but when they reported it to the collections agency IC System. IC System states they have not received the full amount stating there is a XXXX dollar balance still owed. This is not the case. I have informed both companies via phone of this mistake back in XXXX after I noticed it was still reflecting and damaging my XXXX XXXX. Speaking with XXXX XXXX I have verified my payment of the full amount owed via their 3rd party software XXXX. I have spoke with them both again via a teleconference later in XXXX and they have still not satisfied the debt. It is now the XX/XX/XXXX. This is harming my credit and I would like it disputed.
09/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	UT 84106	Web	Servicemember
Back in XXXX, I was admitted to XXXX XXXX to receive treatment for XXXX. I had to visit the ER 3 times, and not once did anyone tell me that my insurance was covered. When I talked to my father about it all, he said that he took care of it all and that he paid it. I am a XXXX XXXX XXXX XXXX so money already is n't very common for me. XXXX of XXXX I noticed that my credit had gone down by 200 points, only to find out I had all of these unpaid XXXX bills that my father said were taken care of. I did n't know that these bills existed, and no one told me anything about being able to dispute it either. I feel as if It should be settled, because I am still a XXXX XXXX XXXX in school, struggling to make rent, because of all of this nonsense I had no Idea about in the first place. IC Systems called me for the first time in XXXX and that was the only time I learned that I had these things against me.
08/29/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CT 066XX	Web
i was told by so XXXX XXXX that collection activity would start 60 days after the date of the final bill which was XX/XX/XXXX -- barely a week later I was contacted by ic systems who started by asking personal verification questions .. I acknowledge i am XXXX and asked more than once who she was and what her call was in reference to she continued to sate it was a personal confidential matter and asked for more verification questions I told her I was in public and would not spout off persona info. I asked her again for the company info and stated I would block the number form calling me if she did not answer my questions she did not so I hung up in her face. In an age of fraud and identity theft and phone scams I doubted this was even a legitimate call until I called back in. I do not wish this company to contact via phone at all .. not at all until the time frame specified by the gas company
12/17/2021	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	CA 94565	Web
On XX/XX/2021 I received an alert from XXXX that I.C. System has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from XXXX that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to I.C. Systems and even the last one was notarized. I still have not received validation of this account but they are still reporting on my XXXX.
06/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
I.C systems is trying to collect debt of {$900.00} from me for a medical bill they claim I owe. I previously wrote a letter demanding that they comply with the fair debt collection practice act and fair credit reporting had this removed from the credit report and it continuously get placed back on my reports. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
02/23/2021	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 Problem with personal statement of dispute	AR 72120	Web
Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. also my score dropped 30 something points because of this. then dropped an addition 21 points and XXXX can't explain what happen.
06/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31313	Web	Servicemember
I called IC System Inc on XXXX 2021 and asked for a debt validation and verification letter about a collection that they put on my credit report this XX/XX/2021 acct # XXXX for the amount of {$580.00} which was a medical bill dated back on XX/XX/XXXX.she informed me that they didn't provide any such letter i just mentioned above and i had to talk to the original creditor which is XXXX XXXX XXXX XXXX i called them and they said it was out of their hand and the account was closed which lead me right back from where a started from didn't get any resolve or satisfaction to this matter .this medical bill is to old to be on my credit report and Georgia statue of limitation of 4 years already expired have tried to dispute this with several credit bureaus but IC system keep verifying this account as legit and correct when i know is not please help I need this collection report off my credit report
04/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	UT 84106	Web
Re : I. C. Systems In XX/XX/XXXXI accessed my credit report to discover a Collection was on the report from a supposed medical bill from XX/XX/XXXX, as of which I received zero communication of the debt in 5 years. I contacted I. C. Systems in XX/XX/XXXXand the representative indicated an attempt to contact me three times in the year XX/XX/XXXX were made via phone ; however, no logs exist on my phone records showing the company attempted to contact me four years ago. There is not a record of them attempting to contact me since. I do not believe this debt is mine. I sent I. C. Systems a letter explaining in XX/XX/XXXX. I received zero communication until three months later in XX/XX/XXXX stating they still believed the debt was mine. I have provided sufficient evidence the debt is not mine. In addition, I have received minimal to zero communication of this debt over the last five years.
04/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
I, XXXX XXXX am speaking for myself in this claim. IC SYSTEM is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. I C system is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to IC system for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.
02/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21075	Web
I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX ) IC sys {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX the following : XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX )
04/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OR 97330	Web
XX/XX/XXXX I cancelled my service w/ XXXX. I returned the equipment at one of their drop off facilities in Nevada. I paid my final balance on XX/XX/XXXX. On XX/XX/XXXX I received a letter from a collection agency stating I owed {$120.00}. On XX/XX/XXXX I contacted the collections agency called I.C. Systems & informed them I haven't received any calls or emails from XXXX about the false charges. I was informed by collection agency to contact XXXX directly to resolve the false charges. I contacted XXXX on XX/XX/XXXX & spoke w/ customer service representative who informed me that she saw the equipment was turned in but the drop off location did not properly process. She transferred me to the XXXX Collections Dept. The Collections Dept of XXXX rep told me that I would have to call back in one hour because the system was down But did tell me that it shows I didn't return the equipment.
10/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11412	Web
While checking my XXXX credit report. I discovered that a collection has been placed on my file for {$1900.00}. I personally contacted collection agency IC SYSTEM, XXXX XXXX, XXXX XXXX, MN XXXX, disputed the validity of the debt and requested under Fair Debt Collection Act ( 15 USC 1692g ), and requested that the Company provide me with any signed contract as well as billing invoices of the said unpaid bill within allowed time under the law. Upon belief and information, this account does not belong to me and/or may be as direct result of ID THEFT.It`s paramount that an investigation be conducted to determine the validity of the account. IC SYSTEM deliberately ignored my requests and has continued to proceed to collect on an unlawful debt without just cause, and as a direct result has caused me serious economic hardship and inability to secure employment or housing and/or obtain credit.
03/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76116	Web
Called IC Systems and spoke to XXXX XXXX. Explained that a debt had been reported to my credit bureau incorrectly.I explained I wanted the debt removed from my credit bureau due to me not being responsible for this debt. He told me he could not remove it, he said his client XXXX XXXX is who he is collecting on behalf of. He advised the only way to remove a debt was for the debt to be XXXX XXXX out. Said he would send his client a letter to validate who the responsible party was for this debt, but could not remove any information until he heard back. When asked how long before I would hear back, he explained he didn't know. Then told me to call them back in a couple of weeks if I didn't hear from them or if I hadn't received any correspondence from their client, who was the original creditor. I asked why i had to wait, since I was not the one that owed them any money. He didn't know.
02/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39702	Web
I have lived at my address since XXXX and never received any notice regarding the debt that appears on my credit report from ATTXXXX XXXX for {$440.00}. I became aware of this debt while reviewing my credit report in XXXX of XXXX. I have tried disputing this debt twice. We disconnected, settled and returned all XXXX XXXX equipment in XXXX. I called ICS Systems Inc and they could not give me any information other than it was a XXXX XXXX bill. I am happy to settle this debt but I believe this to be inaccurate. The account has always been in my husbands name as well. This doesnt make sense as to why it is on my report. XXXX also had a New York address for me and I have never lived in New York. Something just does not feel right with this debt or I would have already tried to settle it. I have had several fraudulent transactions against my name so I try to be very careful. Please advise.
04/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92782	Web
My credit report lists a delinquent account past due. This delinquent account is mentioned by the debt collection company -- I C SYSTEMS COLLECTIONS For the entity -- XXXX XXXX Its address listed as XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX Single family Address ID : XXXX Report number : XXXX XX/XX/2019 Amount XXXX Account number XXXX I, XXXX XXXX, have never procured anything from XXXX XXXX. I have never ever lived in state of XXXX never lived at the above address. I have tried to contact the XXXX credit reporting companies as to why they report this on my Credit Report and have not received any answer from the XXXX companies, XXXX XXXX XXXX XXXX XXXX I tried contacting the I C SYSTEMS COLLECTIONS and did not get any response. Can you please help me sort this issue from my credit report. This has impacted my credit score and my financial history negatively. Thanks XXXX
08/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 12309	Web
I was notified by my credit card company, who monitors my credit score, that I had a > 120 day derogatory statement added to my report. I have excellent credit history and always pay all of my bills on time and in full. When I looked into the matter it was for this debt collection agency I had never heard of, I.C. Systems. When I went to their website I could only file inquiries if I had an account number with them but I do not have this as they have never contacted me. This debt collection is for a total of {$88.00}, the absolute lack of warning that this account was due at all, followed by the very significant overdue derogatory mark placed on my credit score and coupled with the incredibly small amount of debt owed is in my opinion poor company practices. At this time I have filed a dispute with the credit bureaus and will be mailing them a formal dispute letter this afternoon.
04/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30126	Web
This is concerning a XXXX hospital bill and XXXX prior to admission. However they claim the hospital doesn't pay the doctor, who has to separately bill? Insurance information wasn't even provided to them. This occurred a year ago exactly. XXXX has a XXXX bill including what they are trying to separately double bill for. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I provided my insurance information to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX the debt appeared on my XXXX XXXX and XXXX credit report harming my scores drastically. I have perfect credit! The dates in question and XXXX visit appear on XXXX invoice, stating Not A Bill. This appears to be an attempt at Fraud towards a protected class. It makes no sense that billing would occur this way, when insurance is provided at time of service. To retaliate by impacting my credit when I'm insolvent anyway but have full insurance is ridiculous.
08/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27330	Web	Older American
The debt relates to an XXXX & XXXX XXXX bill. Original amount owed : {$250.00}. Settled in full for {$160.00} XXXX XX/XX/XXXX ). I was contacted by XXXX XXXX XXXX about this early this year and I settled the account with them and it was considered PAID, SETTLED IN FULL, on XX/XX/XXXX. In XXXX I received a notice from a second collection agency, I.C. SYSTEM, making demand for the balance ( {$90.00} ). I called I C System and sent them proof that XXXX XXXX agreed to a reduced settlement. Today I received another notice from I C System, demanding the unpaid balance, claiming that I still owe it. This is affecting my credit. Both these companies have used deceptive tactics with me. I paid once, and I have a letter saying it was settled. Why should I now have to deal with yet another collection company. They won't talk to each other and they are not accepting the proof I sent!
04/16/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07304	Web
On XX/XX/XXXX I received a letter from I C System debt collection agency dated XX/XX/XXXX stating that their office is increasing the balance owed on a delinquent account due to additional charges being incurred. The original balance was {$66.00} and I C System added {$520.00}. I C System is now trying to collect over 8 times the original amount of the debt from me. On XX/XX/XXXX, I sent a postal money order ( serial number ) XXXX for {$66.00} to pay my co-pay to the original creditor. My job insurance paid the rest of the entire bill already. I don't owe any more money. This company is falsely stating and misrepresenting the amount that I paid. They sent me another bill for {$66.00} and added another bill for {$520.00}. They are trying to collect twice. This bill was already paid. Please help, this is unfair business practices. Any assistance will be greatly appreciated. Thank you.
10/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78702	Web
On XX/XX/XXXX, I checked my monthly credit report statement noting the following : Credit Alert Derogatory Account Reported By I.c. System, Inc Reported On XX/XX/XXXX Account Balance : {$100.00} Account # - XXXX XXXX XXXX - Ticket # - XXXX ; XXXX I called I.c. System, Inc. to inquire about the charge and was told that it was related to XXXX XXXX. They claimed it was related to an account that was closed in XXXX. At no time have I been made aware of the debt. I was never given a chance to dispute it. I have returned every equipment I ever collected from XXXX XXXX. This company has a pattern of misplacing returned equipment and coercing former customers into making payments. I have made multiple attempts to contact XXXX XXXX and have been promised a call back, all to no avail. I would like this unsubstantiated charge removed from my credit report. I'd greatly appreciate your help.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30012	Web
Im accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. I.C. System, Inc account number : XXXX 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adversevitem of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C Apersonshall not furnish any information relating to XXXX XXXX reporting agencyif the person knows or has reasonable cause to believe that the information is accurate.
12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77381	Web	Servicemember
I was charged for XXXX work that I did not receive and that did not meet the standards of the XXXX Board of the State of Texas. Further I was overcharged for the shoddy work by a factor of 200 %. The XXXX threatened to report me to credit agencies unless I paid the bogus charge or gave her my auto. she reporte me to a collection agency and I submitted a large amount of information twice to the collection agency ( which she hired ). The collection agency found me in arrears and demanded that I pay them the amount due. I subsequently went to the XXXX board of the State of Texas with a formal complaint. They asked for additional information twice and then brought the XXXX before the Board. The Board found the XXXX to be at fault and reprimanded her along with stipulations and a fine as well as attorney fees and costs. This did not ease my derogatory credit remark on the bogus claim.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12065	Web
In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681. 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.
12/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 731XX	Web
There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
06/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29203	Web
Around XXXX of 2019 I had a collection placed on my account from a company called XXXX. XXXX reported that they were collecting for XXXX XXXX XXXX. Well after speaking to XXXX corporate office ( XXXX XXXX is no longer open and was bought out by XXXX ) the account was deemed fraudulent and was removed. I've never had XXXX XXXX nor did I authorize anyone to open an account in my name. The account was removed from my credit reports XXXX XXXX. Now a company called IC Systems is reporting the same debt on my credit files. I wasn't even notified before they placed the debt on my credit reports. I spoke to a representative who informed me they have a PO Box on file. I informed her I don't have a PO Box . IC Systems is also reporting the account opened with them XXXX of 2019. That is not even possible because the account with XXXX wasn't removed from my credit reports until XXXX of 2019.
02/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60172	Web
You've paid off 0 % of your collection amount. Balance {$720.00} Highest Balance {$720.00} Opened XX/XX/2015 ( 2 yrs, 4 mos ) Account status Open I had lived in a building i believe at XXXX XXXX XXXX when i moved out i had handed my XXXX modem cable box and everything to the XXXX guy that was allocated to the building. He had assured me that he would take care of the issue and let XXXX know that i do not owe anything and the equpitment is returned. Little do I know i have a {$720.00} dollar collection going on for equiptment that i returned to the building XXXX Representative. I want it to be disputed and removed off my credit report so this unjustified problem does not keep hurting my credit. Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
06/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33071	Web
A company called IC System has just reported that I owe them {$980.00} on my credit with account number " XXXX ''. I responded to a notice I received from them on XXXX XXXX asking for an explanation for what this money was for but I have not received a response. I am attaching a copy of the letter I mailed to IC System. I requested more information on XXXX/XXXX/2017 and instead of responding, they chose to report this debt on my credit! This company has not provided me an explanation as to why they are charging me this money. This is not the only problem. Another company called " XXXX XXXX '' is also reporting this same account on my credit report! They have a different account number of " XXXX '' but the money they are asking for is {$980.00}. Is n't it illegal for two collection companies to try and collect on the same debt at the same time? I do n't know what this debt is for!
01/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77523	Web
I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XX/XX/2022 I have no business with this company. I have never signed a contract with them and have never had any communication with this business. And they apply this collection to my credit. I have spoken to I.C. Systems, and they have told me that XXXX XXXX XXXX had made a collection against me under a name I do not use or have never used. They stole my information, found my date of birth, and applied it to my credit. GOLD DRAFTING Service I have never done any business with them, signed a contract with them, or spoken to them ; they took false information and gave it to XXXX. XXXX, XXXX, and applied the false amount to my credit. I.C. System, INC and XXXX XXXX XXXX committed Identity Theif against me and put a collection amount on my credit. That I don't owe. This must be looked into so this doesn't happen to anyone else.
02/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32301	Web
I received an alert from all 3 credit bureaus informing me about a collection that was placed on my credit. The name of the collection company is IC system. I never received any letters or debt validation from this company. I know my rights and I understand my consumer rights to dispute any information that is in error or not mine. I tried contacting this company about validation of the debt they claim I owe them. I need this company to send all signed documents stating that I agreed to pay them {$460.00}. I also need original copies and agreements between myself and this company. I do not have any knowledge about this debt they claim I owe. I am a very responsible person and this collection that they sent to the 3 major credit bureaus is damaging to my credit. PLEASE NOTE I DID NOT HAVE ANY HISTORY OF LATE PAYMENTS OR COLLECTIONS UNTIL THIS COMPANY PUT THIS ERROR ON MY REPORT.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38117	Web	Servicemember
I received an alert through XXXX XXXX that a collection appeared on my credit report for XXXX XXXX for {$920.00}. The collection was placed on my credit report by an IC Systems. Ive never heard of an IC Systems and Ive never had XXXX XXXX XXXX services. And, logically, if I had XXXX XXXX, how would my bill be XXXX XXXXXXXX? That makes no sense. This is fraud. I disputed this with the credit bureaus but I received a message saying this is a legitimate charge. If you review my credit report, you dont see any history of me not paying bills so why would I start not paying bills now. I have a problem with the credit bureaus placing this information on my credit report, lowering my score, without verifying this debt with me in this fraud environment. The credit bureaus assumed this is a legitimate debt and assumed that the customer didnt pay. Im filing an identity theft police report
05/19/2021	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	AZ 852XX	Web
IC Systems is reporting inaccurate information on my credit report. 1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 3. IC systems wont provide accurate information on contract to validate account. 4. XXXX wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 5. XXXX wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 6. IC Systems reporting incorrect date of last activity, IC systems is Re-Aging account eah month. 7. Every month IC systems change the Date of Last Activity. 8. XXXX reporting incorrect information. 9. XXXX is reporting incorrect information. 10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.
01/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29150	Web	Servicemember
XXXX XXXX sold this debt to another collection agency but Im unsure of the name. I made monthly payments and a few days before I completed paying off this full balance of XXXX they sold it to a new collection agency. Shortly after I made my last payment I started receiving call from this new collection agency asking for the full balance stating they were just sold this collection and I have to pay the full balance again. I explained to them that I already paid this balance off and this said I was still required to pay anyway because I didnt make those payments with them. I feel its unfair for me to pay this again after already being paid in full. At one point they did remove it from my credit report and Ive recently noticed it was placed back on there as if it was never paid. Im unable to give dates due to it being years old but Im 100 % positive this debt has always been paid.
03/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	UT 84047	Web	Older American
While trying to refinance my home with XXXX XXXX my credit report reflected I had several debts amounting to {$16000.00} with XXXX XXXX. I did not recognize that debt nor had I received any notices from IC Systems ( collection company ) regarding these amounts. XXXX bank representative called IC Systems trying to clarify this matter but they ended up giving us the phone number of a local hotel instead. I was able to get proof from the hospital that I did not owe anything to them and that they had not sent me to collection either. The hospital representative also called IC Systems to explain the situation buy they said to call in a while. I have called them again but can not get a definitive answer because they say they are disputing with the hospital and they can not give me proof that I do not owe anything. Meanwhile my credit is messed up and can not go forward with my loan.
04/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60045	Web
I was unaware of our debt to XXXX via IC systems, as my payments were supposed to be auto deducted, and I never received anything in the mail saying i owed them anything, or that it was being sent to collection. They repeatedly called my cell number, but no one would be on the other end when I answered ( only found out it was banfield by looking it up ), then they stopped calling. I have recently learned they have been calling my parents ' home- sometimes asking for me, other times just silent. My husband called IC systems requesting they stop calling my parents ' number and call his, but they have not done either. I have been at my parents home when they call ( everyday ), and when i pick up the phone to ask why they are still calling this number, no one responds. My husband gave them his number of XXXX, but they have not once called. Please have them stop calling my parents!!
10/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32907	Web	Servicemember
A couple of years ago I had XXXX XXXX XXXX Cable TV and Internet When I moved back to Florida I called XXXX XXXX XXXX to cancel my subscription and ask about the last day of my service month. After being told I paid the account to date and XXXX XXXX XXXX sent me instructions as to where to take the equipment which in this case was to any XXXX XXXX. Once I returned to Florida I took the equipment that a return was required to my local XXXX XXXX. I have been receiving these collection notices for a few months now and have talked with a rep from this company IC Systems and told them I refuse to pay for a debt I should not owe! I did want I was suppose to do. I have dealt with XXXX XXXX XXXX in the past with my cell phone and I left them because they can't keep billing straight. This is another example of their incompetence. I want this removed and the collection efforts ceased!
11/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 460XX	Web
IC Systems contacted me, claiming I owed a debt to XXXX. I submitted a written request for a copy of the original debtor 's agreement, and stated that a bill generated by a purported creditor alone would not suffice as proof of a debt incurred. That any entity can generate a bill, and the creditor MUST produce evidence of agreement to enter into a creditor/debtor relationship in order to validate the claim of a debt owed. Despite my request, IC Systems simply and solely provided a copy of a bill from XXXX dated XX/XX/17. The bill indicates a " Previous balance '' of {$23.00}, with {$0.00} payment received, and " New Charges '' of {$20.00}. No payment was received because no agreement between myself and XXXX ( or XXXX ) exists. In short, I did not sign up for their service, I did not agree to be indebted for their service and I do not agree to pay for their unsolicited service.
01/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95076	Web
This account was linked to my XXXX XXXX XXXX, XXXX CA. I called XXXX a while back and closed the account when I moved out of the home. XXXX had my wrong email address, which they admitted to and they failed to update my forwarding address. The collection company failed to send me notice of adverse reporting. I recently got new service with XXXX, who only then told me an additional account was in collection and gave me the collection companys number, I immediately tried calling the collection company who told me that they couldnt find my account in their system and that I had to wait a month. Unfortunately after that time the account was already reported to my credit report. And now the collection company states they wont remove the account from my credit report. This has destroyed my perfect credit score and Im unable to finance properties for my real estate business.
09/16/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33414	Web
The call was coming from an unknown number and had called XXXX times yesterday, in increments 4 hrs apart, and again at XXXX this morning. I finally answered assuming it was important. A female caller asked for me and I said this is she. She then asked to verify my address. I asked her to identify herself and she provided her name and some random employee number but DID NOT identify where she was calling from. I asked her again WHERE she was calling from and she refused to do so. She said I am calling about an important private matter and I need to verify your information first. I told her I was NOT giving her any information until she advised where she was calling from. She refused to do so and said " thank you we will try another time '' and hung up on me. I did research online and found the number belongs to IC Systems. I am not aware of any outstanding debts at this time.
05/12/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA XXXXX	Web
Originally I had an acct with XXXX. XXXX purchased XXXX. I was not happy with XXXX 's customer service, so I cancelled my services. I did not owe a cancellation fee, as I was out of my contract. ( Verified by phone call. ) I mailed in all of my equipment. I paid my last payment. I do not owe XXXX or XXXX any money. I have received many notices from XXXX stating that I am owed XXXX from my deposit fee and overpayment of my last bill. I have yet so see that money, and have charged it my list of actually ever receiving it because there is no way of me actually collecting that money from a huge corp such as XXXX and including such poor customer service. I have attempted to resolve this conflict with XXXX and XXXX on so many occasions. I continuously get transferred from this person to that person. I have spent literal hours on the phone only to be eventually disconnected.
11/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GU XXXXX	Web	Servicemember
I am currently XXXX and have an issue with XXXX XXXX. My spouse had a family plan with XXXX XXXX that we were unable to keep due to transferring XXXX. In XXXX, they do not have XXXX XXXX service. So, my spouse spoke to both representatives on the phone and in store from XXXX XXXX. We presented them with our Change of XXXX letter that stated we were moving from XXXX to XXXX. The employee my wife spoke to over the phone assured her that our account would be closed out with no outstanding debt. His information is as follows : XXXX XXXX Employee ID # XXXX. Her conversation lasted around 3 hours on the phone and she was assured that there was absolutely no outstanding balance and that we were good to go for our transition to XXXX. We have tried since to resolve the issue again with XXXX XXXX, but they have gone back on their original terms and now say that we owe them {$240.00}.
02/01/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MS 39211	Web
I.C. System, Inc account number XXXX is trying to collect a debt from me I sent them a letter on XXXX for the original purchase Agreement to show that they can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an assignment or a receipt between them and XXXX.I.C.System, Inc is the creditor reporting inaccurate information on my credit report.I.C system, Inc should have sign documentation between me and them. So if they cant provide me with these documents l ask them to delete this account immediately as its damaging my credit rating. I no account with I.C. System and if I have an account with XXXX am not saying I do I never gave them permission to sell the debt to I.C.System, Inc.I.C system have 15 days to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character.
06/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08003	Web
I was disputing addresses that were on my credit report with XXXX that were incorrect. I tried disputing the address ( XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX as Ive never lived there. XXXX said they could remove it bc there was an account connected to this address. I found that the account IC systems is showing as a collection connected to this address. I disputed the collection bc it does not belong to me. I called IC systems directly and they have the same address listed with an account number that does not belong to me. The original creditor is XXXX whom I currently have an open and active account with under my current address and a different account number as the collection acct. my acct is in good standing. Please have them remove this collection from my XXXX XXXX reports asap . It is causing issues on my end. Thank you! I.C. SYSTEM, INC Account number XXXX
01/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60827	Web
This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating a owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
07/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22033	Web
I have a XXXX cell phones services for my family from XXXX. I bought them from their website and connected during covid coz stores were closed. We put the account on Autopay since the beginning of the account. I suddenly see a letter came to us saying that my XXXX account is in collection for 2 diff bills on {$18.00} and {$54.00} that I am not aware of. XXXX customer services say they created sub accounts. I never got a bill or nor should I coz they are not my account number. So I disputed it with the customer service rep and they said it has gone to collections and I have to pay to save my credit. That was ridiculous. So I wrote to the collection agency saying these are not my accounts. Not sure what a sub-account is. Asked them to remove it from my record. My credit took a 54 points dive due to this. I need help to maintain my credit with this big corporate giant.
12/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	DE 198XX	Web
In XXXX of 2014 I was seeing a XXXX in XXXX XXXX, DE for XXXX XXXX XXXX. After several weeks of treatment the XXXX sent me to get an XXXX done at XXXX XXXX XXXX XXXX XXXX in XXXX, DE. The results showed that I had XXXX XXXX at three areas on my XXXX. I continued treatment at the XXXX. I am now on a wellness plan with a different XXXX 4 years later and attend monthly appointments unless there is a flare-up in which case I attend more weekly. I was billed {$2000.00} for this XXXX but was not aware that is was on my credit report. I had health insurance at the time with XXXX and since my XXXX sent me with a referral I do not believe I should have to pay the full amount for the XXXX. It is detrimental to my credit report, but I was unaware. I believe since I moved around a lot the bills were not being sent to my correct address and so I did not fight it back in 2014.
09/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78753	Web
I'm filing a complaint against XXXX, XXXX, XXXX, I.C. System Inc., and XXXX because there was a collections against that was falsely opened in my name on XX/XX/2022. XXXX claims that I owe a balance of an XXXX XXXX whenever I switched carriers from XXXX to XXXX XXXX. I recently messaged XXXX, and they said that it is IMPOSSIBLE to switch carriers when you owe a balance on a phone, and XXXX XXXX proved that when I opened the account with them, they didn't see any balance owed AND the IMEI was in good standing. Also, when I traded in this XXXX XXXX to an XXXX Store, the IMEI was in good standing. I have a variety of evidence to prove my case. Messages between the two carriers, screenshots of the phone 's IMEI in good standing, as well as the receipt for my traded XXXX XXXX. This has messed up my credit score for a long time, and I wanted this collections account removed.
05/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 923XX	Web	Servicemember
There is a negative entry in my credit report for something in Connecticut, I live in California and have never lived in Connecticut. I called the number on the credit report and the representative told me to pay the debt, I asked to speak to a supervisor, the representative disconnected the call. I filed a dispute with XXXX and they returned their findings as accurate, with no further information. I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Placed for collection: XX/XX/2017 Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $ XXXX Date Updated: XXXX Original Amount: $ XXXX Original Creditor: XXXX XXXX XXXX (Cable/Cellular) Past Due: >$ XXXX < Pay Status: >In Collection< Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
05/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01702	Web
This company IC System is still reporting this account to XXXX and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the credit report.
10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	TX 75089	Web
A collection letter was tagged with my credit file for services I never received or purchased. According to I c system Inc., XXXX XXXX XXXX XXXX XXXX, MN XXXX ( collection agency ), I am have been delinquent on an XXXX XXXX XXXX account for {$1100.00}. This appears to be the same collection letter that has been sold form on e collection agency to another. I was a victim of Identity theft a few years back and this collection keeps repeating itself with different collection agencies. I have never ever had an account with XXXX XXXX XXXX in my life. how could this be my debt? Please help me resolve this ridiculous practice. It's very stressful when your credit is disrupted. My credit record reflects that I have outstanding credit rating and always paid on time even with high dollar accounts. I need this fraudulent claim removed from my file. Thank you for your assistance.
09/03/2021	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	VA 23454	Web
I had a collection on my credit report from about 4 years ago from XXXX XXXX and electric in which belongs to my mother. I have been disputing it ever since it was originally added to my credit report because it does not belong to me. On XX/XX/XXXX my dispute finally was accepted and the account was deleted, the creditor at this time was called XXXX XXXX XXXX. About a week ago ( around XX/XX/XXXX ) the collection was added back to credit report after it being OVER A YEAR and now has a new creditor called I C System. Now the collection is saying it was opened in XX/XX/XXXX which is totally inaccurate from when it was originally on my account and i would have to wait another 7 years for it to drop if it is not resolved. Also it was deleted originally for false information and its been over a year why was it added again with a new creditor a year later. Im highly upset.
10/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98383	Web	Servicemember
XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.
03/10/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23608	Web	Servicemember
XX/XX/XXXX went into contract with XXXX for home internet device. XX/XX/XXXX In store, XXXX XXXX, VA. I cancelled service and was advised return label for router will be mailed to me to ship box back to XXXX XX/XX/XXXX Still no return label. I received a service disconnect notice. Call made to XXXX. No help. XX/XX/XXXX Still no retun label. Called XXXX. Return label emailed. I shipped router. XX/XX/XXXX I see addition to my credit report. Multile contacts made to XXXX. Was advised account was never cancelled and I was continued to be billed. Rep confirmed router via shipping label and id #. He advised it will be handled. Confirmation emailed requested. XX/XX/XXXX A settlement offer was sent by IC System for 50 % off a {$84.00} balance from XXXX. XXXX made to XXXX no help. XX/XX/XXXX I was advised by XXXX. Unable to access my account. Due to collections.
07/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43147	Web
I have called the company IC System Inc several times and verified that the address they have on file for myself is not accurate and that I had been the victim of identity theft. They stated they were going to send paperwork that I needed to complete that would assist them in determining if I was telling the truth. They stated it would take two weeks to receive. I did not receive the document. I filed a police report as they requested. It has been 8 weeks. I have called the original company XXXX and spent more than 45 minutes being transferred from person to person with no assistance. This fraudelent information is affecting my ability to get my home refinanced and needs to be removed immediately as it is fraudulent. When I called XXXX I told one of the customer service agents that it was due to identity theft and he proceeded to ask me if I wanted to pay the bill.
08/23/2019	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 Their investigation did not fix an error on your report	GA 30067	Web
On XX/XX/2019 I have submit Complaint Number XXXX, where I asked to protect me from illegal calls and unlawful reports of I C System Inc, who report FOUR derogatory accounts on me during XX/XX/2019 with the same balance of {$100.00} about the same dept which already hit my credit history on XX/XX/2019. ONCE AGAIN. The derogatory account with a balance {$100.00} already hit my credit HISTORY and decreased my CREDIT SCORES in amount 18-20 scores on XX/XX/2019, and I sent you a screenshot of my credit alert about this. But I C system didn't leave me alone, and they used that Complaint Number XXXX to illegally know my current address and keep bothering me with their unlawful bills, now through the mail. Also, I never saw notifications that XXXX 's FOUR derogatory accounts were CANCELLED, and it never hit my credit history. But I saw increasing of scores for about 18.
01/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 431XX	Web
Dear IC System : I hereby ask that you verify IC System claims concerning consumer materials conferred to the three credit CRAs for me, XXXX XXXX, for the suspicious account number XXXX, XXXX. Since damaging reporting errors may be vis-a-vis that reported data, I formally request that you document and send the formal validation on your letterhead promptly. Additionally please show that this account was not claimed as a loss with any insuring entity. This is not a request for a summary one-sheet. In lieu of that, I must requisition a full audit. If these reasonable demands can not be met during the month following receipt, data uploaded by IC System to the credit bureaus should be deemed wrongful and may evince a nullification of my consumer rights. Given that occasion, you must annul that bureau material directly. Thank you for IC System assistance in this regard.
04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 180XX	Web	Servicemember
There was a an improper debt reported to my Credit report. XXXX XXXX XXXX incorrectly charged me for service day after I scheduled shut off for XX/XX/XXXX. They did not close my account until XX/XX/XXXX. Therefore I was charged {$100.00} incorrectly. I spoke to XXXX XX/XX/XXXX at XXXX at XXXXXXXX XXXX XXXX. She explained to me the error on their part and they credited me {$50.00}. XXXX said they would remove the collection under I.C. Systems from my credit report with a payment of {$52.00}. I submitted that payment immediately in order to clear this matter up and get it removed from my report. She said it will take 4-6 weeks to remove from my credit report. This is unacceptable. I took care of the payment immediately because of their improper billing, therefore this collection account under I.C. Systems for the amount of {$100.00} should be removed immediately.
09/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32208	Web
On XX/XX/XXXX I mailed a verifications f debt letter to IC Systems. On XX/XX/XXXX they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I was advised by the representative that they forwarded the letter on to XXXX XXXX who was the original creditor but that they did not receive a response. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. I was told that they would not remove it then they agent again attempted to collect on the debt. The amount of the debt shows to be {$950.00} opened on XX/XX/XXXX last report XX/XX/XXXX.
03/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34990	Web
1 ) Dentist performed and completed dental work without authorization of insurance. Dentist offered me bridge and ssid it was covered after it was done insurance denied it due to previous tooth missing. Dental then charging me for full cost. Insuance advised me not to pay since dentist did not receive authorization prior to work. Had I known it was not covered by insurance I woul have had a single crown which would have been covered. 2 ) Went to dentist to re glue a crown and covering dentist filed crown and exposed metal on different areas then glued back on. I then went to my regular dentist and told her she lied to me and ssid that was just normal wear and tear! No it is not it was obvious of filing. Besides whennI went in crown was intact and notice at home it was exposing areas of metal! Terrible services and no honesty! Very unsatisfied! Poor communication
12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NY 11561	Web
Time warner cable sent the account to collections prior to me returning their equipment after I cancelled the service due to a move about one month ago. The debt collector, IC systems, never contacted me about the payment and instead, they called my partner to say there was a debt owed by me, revealed the account it related to and the total amount due. As per the FDCPA, this is a clear violation as they can only contact relatives and the like to LOCATE the person. They can not reveal identifying information. What is more of a problem however is that they never attempted to reach me prior to making this call. I have no missed calls, mailed letters, emails or the like from anyone matching the company number. I also do not have any missed calls in general from any unknown numbers as I went through my call log for the last month to see if I had somehow missed a call.
01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30012	Web
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48071	Web
In accordance with the fair credit reporting act XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 604 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. 15 U.S.C 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. In accordance with the fair credit reporting act I C System # XXXX has violated my rights. 15 U.S.C 1681 section 604 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. 15 U.S.C 166 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
08/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web
After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under I C SYSTEM and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
04/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 070XX	Web
I was contacted in XX/XX/XXXX about a debt owed from XXXX for XXXX from IC Systems. They did not verify the debt with me but told me the amount that I owed. When I spoke with them I told them that I was disputing the debt and that I owed nothing. Then there was a report on my credit report from them that has been for the past year. They have not furnished me with any ledgers or bills from XXXX and have been reporting for the past year. They are in violation of FDCPA 15 USC 1692 et seq., which requires that a debt collection agency use fair practices such as furnishing the correct information to a debtor if, in fact, they do owe the debt. XXXX can not furnish any documents of a past due bill either. I contacted them in XX/XX/XXXX and they could not furnish a ledger either. This has created a loss only credit reporting and there is not any accuracy of debt owed.
04/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 72076	Web
I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX Acct XXXX Bal {$400.00}, ICS # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX XXXX {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.
01/30/2024	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	MI 48146	Web
XXXX was told by myself that after losing my job due to COVID i could not continue to pay my cable/internet bill and asked them to send someone to come pick up their equipment as I was not able to drive to a drop off point nor was i willing to drive to a drop off point. They sent someone to install the equipment, they can send someone to pick the equipment up and that it would be in a box on my porch. Nobody ever came to pick the equipment up so I moved the box to my garage where it still sits. They then proceeded to charge me with failure to return equipment. I told them I wasn't paying for the equipment because I still had it and they never picked it up and that i would pay the balance of my bill at the time of disconnection and not a penny more. XXXX refused to pick up their equipment and then charged me for it and sent collections after me for the amount
06/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93311	Web	Older American
I notified IC Systems , Inc. in writing on XX/XX/XXXX that the amount of {$96.00} they were attempting to collect from me on behalf of XXXX XXXX XXXX was an erroneous charge. I sent them proof of mailing that the XXXX equipment was returned as required via XXXX on XX/XX/XXXX. The receipt documented the serial numbers of the equipment I returned. Despite this, I continue to receive harassing phone calls, first from XXXX XXXX XXXX in XXXX and now from IC Systems demanding payment. My efforts to resolve this dispute directly with XXXX XXXX XXXX were unsuccessful. XXXX said they would only correct it if I agreed to resubscribe to their cable service, which I refused. IC Systems submitted a derogatory report to the three credit reporting companies : XXXX, XXXX, and XXXX, on XX/XX/XXXX and XX/XX/XXXX resulting in damage to my otherwise excellent credit rating.
11/12/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IA 50023	Web
I received my first letter from this company just a few weeks ago. Since then they have called me and made sure to flag my credit report on a weekly basis as a collection account. I have several issues with this collection account. 1. ) It appears that they are not licensed to collect in Iowa. Please see attached. 2. ) Their aggressive tactics. 3. ) I have never signed anything or agreed to do business with this company. 4. ) They show an incorrect/incomplete account number so there is no way to verify that it is mine. 5. ) They show it as a collection account with a balance. My understanding is that collection accounts are not supposed to show a balance. To my knowledge, all of the above issues are violations of the FCRA and I would like them to immediately stop trying to collect from me and to remove their collection account from my credit reports.
05/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
In XXXX of 2017, I moved back home to my parents house and had my wifi transferred over. Within a few days of me moving back, a technician came out to wire everything in the house. A week or so after everything was connected, I tried to access XXXX using the wifi and I was no longer able to so i Called XXXX XXXX XXXX and asked them why my internet was disconnected and they told me that I had called and asked them to disconnect the internet, which I never did and they have no record of that. On top of that, the wifi box was mounted on the wall and XXXX XXXX XXXX has it written in black and white that mounted or wired devices need not be returned. They proceeded to put this charge of {$170.00} on my account and refuse to remove it because they know that they are in the wrong. My next step is to take them to court if they do not remove this debt from my credit.
07/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94928	Web
I used to have XXXX.. I wanted to switch to XXXX due to them having better service and them being able to buy me out of my contract ( XXXX ) .. Everything was paid and NOTHING was owed WHATSOEVER! I get a letter in 2017 from a company called " XXXX '' asking me for 73 dollars and some cents ; I don't remember the exact amount, but they were shaking me down for money from XXXX, I called XXXX customer service and asked them what was going on and asked them if i had owed anything and if I was on ANY bad terms with them ; they replied no and that everything looked green on there end.. I have disputed this XXXX " debt '' for a long time asking for validation and proof, and I AM getting no where with my letters I have been sending to XXXX/XXXX/XXXX! Please help! I refuse to pay something I don't owe, and if i were to owe something, how come I cant get SOLID PROOF?
01/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93906	Web	Servicemember
On XX/XX/XXXX, I filed a report with the XXXX Police Report that my drivers license and social security had been lost in between XX/XX/XXXX at a house I rented that non of the XXXX XXXX XXXX accounts were mine including satellites tv, internet and landline phone. I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX threatened to sue them and with their fraud division at below address on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX They sent me a letter of apology for the inconvenience stating that the accounts had been removed, no impact on credit and to keep open to their services should an opportunity arise. Here we go again after more than two years. There should be a class action suit against XXXX XXXX XXXX and their collection agencies who they sell their accounts that were already removed and communicated to the victims.
10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 196XX	Web
I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) ... .I have never had XXXX XXXX XXXX or XXXX so I have no idea whos this is ... I see a name on my credit report that is not mine and i have never gone by it is XXXX XXXX , Im sure the reporting of this debt is a case of mixed file ... ... I have contacted all 3 credit bureaus multiple times and they say that IC SYSTEMS verified and validate this debt ... how so if it is not mine? They have never sent me proof which im sure they do not have ... .I asked for a copy of the wet ink contract and received no response ... .there is no way that they can verify and validate this erroneous account on my report. i need this deleted now or i will be contacting a consumer attorney as well as putting a complaint in with the state attorney general as i am in the process of purchasing a home and this is killing my score.
04/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 66801	Web
I owe a tax debt to the XXXX of Kansas. They hired IC Systems to collect this debt. On XXXX XXXX I setup a payment arrangement with them for XXXX per month. I owed {$3500.00} in taxes and they are charging me {$4800.00} with penalties and interest. I have made 4 payments for the full amount plus XXXX in tax refunds they kept. As of today XX/XX/2023 they say I owe {$2900.00}. They are not applying the debt to the tax amount first and charging me {$300.00} a month in fees. This is criminal and they cant explain this to me. I called XXXX and they told me they can charge whatever they want. XXXX put a lien in my home and this is just a pure scam. The state has a huge tax surplus and XXXX sure some of this money is coming from this collection activity. I will report this to all the news station until someone stops this from happening to hard working taxpayers
03/09/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78109	Web
I have received a collection notice in the mail and I am disputing the validity of this debt. I have already cleared this confusion in 2018 with proof of receipts from XXXX that shows I turned in the equipment for XXXX XXXX. The return receipts include date, time, XXXX store address, and the equipment numbers for everything I returned. If XXXX lost the equipment, that is their problem not mine. When I contacted XXXX XXXX about this invalid debt two years ago, the customer service rep told me they received the equipment and will update my account. But just recently, I get threatened with a collection notice. Take my account out of collections or I will sue you. By the way, I mailed a certified letter with the return receipts to you yesterday. So I will know when you receive it. And it is attached to this complaint. Don't play games with me. You will lose.
05/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11213	Web
In XX/XX/2018 I received a call from IC SYTEMS INC when I was told by one of there agents that I owed a collections account in the sum of {$690.00}. The agent went into the details of the account to state that this account belonged to me. I stated that I do not remember anything about this account & it is not mine. I have since received a VERIFICATION from IC SYSTEMS INC that they used to say this account is mine. The only problem is that the SIGNATURE on the VERIFICATION info used IS NOT MINE!!! This IS NOT MY ACCOUNT & the SIGNATURE on there verification IS NOT MINE. This has to be some type of fraud or identity theft. Please at once remove this collections account completely from my credit report. I will be submitting proof of my signature along with the verification used by ics systems. You can clearly see that the signature ics submitted is not mine
03/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 95831	Web	Servicemember
On XXXX, XX/XX/2023, I received a credit monitoring notification of a " major derogatory '' reported to the credit bureaus, in the form of " Collections '' on behalf of I.C. System, Inc. with an address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. The amount of the " major derogatory '' credit report Collections notification is {$630.00}. 1 ) I was not made aware of the debt, and for {$630.00}, I could have paid the amount immediately. 2 ) I was not made aware of the debt having gone to collections ; again, I could have paid the amount immediately. 3 ) I was not provided due diligence in determining if the account is mine ; what company I owed money ( if a real debt ) ; nor an opportunity to dispute with the company and/or collection agency. Under the Fair Credit Reporting Act ( FCRA ), the three ( 3 ) above mentioned points should have been provided.
02/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
I contacted I.C. Systems in XX/XX/XXXX to validate a debt that according to my report had been there since XX/XX/XXXX. I had not received anything from I.C. Systems before this account was placed on my report. I did not receive any validation. I contacted them again in XX/XX/XXXX asking for validation for a 2nd time. I.C. Systems sent me a " communications are ceased '' letter on XX/XX/XXXX claiming to honor my request to cease communication. However, No request was made. I requested validation and proof that I owe this alleged debt and that was not provided. I've sent letters to XXXX, XXXX, and XXXX, asking for this debt to be properly verified. All 3 bureaus claim to have verified the debt with I.C. Systems but I have not received anything but a bill from I.C. systems. I asked that they provide their method of verification but it hasn't been provided.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... I C SYSTEM ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 563XX	Web
I used this clinic XXXX XXXXl XXXX XXXX XXXX XXXX A, XXXX XXXX, NV XXXX XXXX service since XXXX The did a lot of work on my teeth In XXXX they recommended deep cleaning and one of thing called irrigation they said my insurance wont cover that and i have to pay them I already did paid for that service out of pocket In XXXX start having pain in one of the tooth they fixed and put a crown on I went back to the clinic the dentist who was working with me wasnt there and they new dentist noticed that they messed up my teeth so the send me to a specialist within the same clinic And she confirmed they did a mistake and they will refund me what i paid of pocket which is {$300.00} I havent received that check yet and I forget about since I dont live in XXXX XXXX anymore Now I received a call from collections agency regarding that service which I already paid for
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30052	Web
This is not my debt yet is on my credit report I am a victim of identity theft. I currently am dealing with having to file complaints against the 3 credit bureaus for allowing and continuing to allow incorrect and false information to be placed on my report. I live in XXXX this credit agencies refuse to provide me with proof of how they verified this account. This agency is licensed in XXXX and should not be reporting a past due balance on a collection account that does not belong to me on my credit report. How can a collection have a collection on an open account that is past due? They should find the party responsible and ruin their life not mine. I'm sure who ever sold this debt to them has written it off so they should try to have that company provide them with the correct debtors information. This needs to be removed permanently and immediately.
08/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 71360	Web
I cancelled my services with XXXX and they said i owed XXXX. I was driving when I was talking to them and could not retrieve my form of payment -- the phone rep. said he would call me back but never did so, I called them and they stated that my account was suspended but not cancelled so they continued the charges with no service. I had switched to XXXX XXXX XXXX. XXXX told me that i owed XXXX which was not correct. I have no problem paying the XXXX but i don't owe for services that were not rendered. I have no access to pay online on the account because when i log in it sends a code to the phone with the services. Since i have no service i can not retrieve the code. XXXX said that they can only accept the XXXX before they can discuss the account with me. They said they suspended the service in case i wanted to reactivate instead of cancelling service.
01/23/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	CA 90026	Web
On XX/XX/XXXX, I received notice of debt from XXXX. XXXX Reference # XXXX. On XX/XX/XXXX by form of email to XXXX, I sent a Debt verification Request letter in which they responded to my request by email on XX/XX/XXXX that it was received and was going to be investigated and I would receive a response. As of today 's date XXXX, I have yet to receive a response to my request by XXXX XXXX, XXXX. On, XX/XX/XXXX I received a notice of debt from a collection agency dated XX/XX/XXXX from I.C. System Inc Reference # XXXX. Both agencies collecting for the same amount and creditor. XXXX never responded to my debt verification request and instead was passed on to I.C.System Inc. All documentation has been attached. My rights under the Fair Credit reporting act have been violated and request that this debt be removed or I will have to seek legal council.
02/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 133XX	Web	Older American
Reference # XXXX a few years back was going for regular checkups at bassett hospital in XXXX new york XXXX am covered for all medical expenses via health insurances and then XXXX . XXXX XXXX sent all the bills to the wrong insurance company and XXXX only paid a portion of it. I notified the hospital at that time and the collection agency of this situation and sent them both copies of my insurance policy from XXXX XXXX XXXX XXXX showing I had medical coverage. To this date, I was informed that XXXX XXXX XXXX XXXX never received any medical invoices and now the time has expired to submit any claims in this matter. For the past year this collection agency has been trying to collect {$710.00} from me which should have been paid by the insurance company back then if XXXX XXXX didn, t screw up the billing. They put these unpaid bills on my credit report.
03/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29526	Web	Older American
Closed account with XXXX, returned their equipment with my forward address after my home sold in XXXX and left XX/XX/XXXX for XXXX XXXX XXXX mailed me a bill for for {$110.00} for 6 days services in my new residence in XXXX XXXX. Billing explained to me I was liable for the whole amount even when I only used the services for 6 days into the billing cycle. Communication with a supervisor in XXXX couple months later told me that I did not had to pay the full amount and ( XX/XX/XXXX ) of {$110.00} would satisfy the debt and it was agreed to pay {$27.00} which I send them a check. In XXXX XXXX try to collect again using a collection agency and upon my providing all prudent information collection agency dropped their collection effort. Apparently XX/XX/XXXX XXXX turn the " debt '' to a different collection company if an effort to collect {$86.00}
09/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28054	Web
I had one account with XXXX for mobile phone service, it was reported on my credit as a collection. Later on, there was a second account from XXXX reported on my credit for collection, it was for XXXX XXXX, a home utilities. The XXXX was not my account, so I disputed it and it was deleted from my credit report. The XXXX account was only in my mother 's name. I later get a notice for collection from a different collection agency after the other is deleted. I call the new collection agency and they try to tell me it was fraud and tried to get me to open up a fraud report on my mother saying she must have signed my name as a cosigner. This was not true and I tried to explain that we had two accounts with XXXX for different things but in the same household and under different names, that it was a mistake by XXXX in reporting it. They did not listen.
12/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
XXXX kept reporting an unverified debt that I did not owe against me. Particularly, XXXX refused to delete an unverified collection filed on my credit profile by IC Systems Collections. I was not responsible or privy to the underlying collection. IC Systems Collections reported the same inaccurate debt information on other Credit Bureau Companies such as XXXX and XXXX. When I noticed the inaccurate debt information on my credit, I requested validation and subsequently disputed the debt. XXXX and XXXX deleted the debt from my credit account when it was found inaccurate and unverifiable. However, XXXX refused to delete the inaccurate debt information from my account hence, this complaint. Therefore, I believe XXXX is taking the reporting of the erroneous debt information personally against me. Please compare other Bureaus ' credit reports with XXXX.
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... I C SYSTEM ( Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX APARTMENTS ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/02/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33319	Web
On XX/XX/XXXX I've received a letter from I.C Systems INC. stating that there is a debt collector trying to collect a debt from me in the amount of {$1500.00}. After doing some research to see if there are licensed in my state of Florida. I.C Systems are not licensed in the state of Florida. According to the FCCPA If the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation, which in this instance is each call or contact by a non-licensed debt collector. It is recommended at this point to contact an attorney who regularly handles these types of claims against debt collectors. I filed a complaint with Florida 's Office of Financial Regulation and with Florida 's attorney general to take legal action.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75287	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 15210	Web
In XXXX at that time was using XXXX XXXX as my cable company. In XXXX I was moving to another place. So I was in the process of waiting my provider to do XXXX XXXX not have internet. So I paid the last balance off which at the time was {$150.00} and sent in my equipment. When moving to my knew place, in XXXX of XXXX XXXX XXXX wasnt on my credit report. In XXXX of XXXX I went onto XXXX XXXX to look at my account and seen there was a hit of I C Systems for {$310.00}. I attended to call XXXX XXXX they told me I had a balance. I was told to call IC Systems to make a payment. Spoke with IC Systems they requested that I send information that I made the payment. That was done in XXXX of XXXX. I called back to see what the outcome was. IC systems and XXXX XXXX gave me the runaround. Called XXXX filed another dispute and was also told to call XXXX XXXX.
03/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21093	Web
THRU CREDIT MONITORING SERVICE OF XXXX I WAS NOTIFIED IN XX/XX/2021 THAT A COLLECTION HAD BEEN PLACE AGAINST ME FROM IC SYSTEMS. THE ORIRGINAL CREDITOR WAS XXXX XXXX. I DISPUTED THE ACCOUNT WIT XXXX. THEY SENT INFORMATION TO CREDITOR TO VERIFY THE INFORMATION, CREDITOR AGAIN CONFIRM IT WAS MY ACCOUNT. I CALLED THE CREDITOR PERSONALLY AND THEY CONFIRMED THEY COULD NOT FIND AN ACCOUNT THAT MATCHED ANY OF THE FOLLOWING ; NAME, DOB, LAST 4 OF SSN, ADDRESS, EMAIL. IN FACT THEY CONFIRMED THE ACCOUNT IN REF WAS FOR SOMEONE WITH SIMILAR NAME, BUT LIVED IN NY. I AM IN MD. THE CREDITOR RECOMMENDED I DISPUTE AGAIN. WHICH I DID. XXXX SAID THE CREDITOR CONFIRMED THE ACCOUNT ONCE AGAIN. I CALLED AGAIN, THEY ONCE AGAIN CONFIRMED IT WAS NOT MINE. SO XXXX IS DISPUTING ONCE AGAIN FOR THE THIRD TIME. THE ACCOUNT # XXXX THE NUMBER FOR IC SYSTEMS IS XXXX XXXX XXXX
12/01/2022	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	LA 70056	Web
XXXX did not appropriately investigate a falsely reported collections account from XXXX XXXX I do not owe any balance to the original creditor. I asked XXXX to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the XXXX dispute process online. In addition, I have called XXXX to inquire about the investigation. I was told by the XXXX representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the XXXX representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.
07/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WY 82901	Web
Well with all do respect, I did twice talked to the XXXX in XXXX XXXX XXXX Utah about this when it first came out asking them to help me removed/fixed because it was not mine and i was told they were going to looked at it and let me know but they never did. Then i received letters from collection companies to pay more than XXXX XXXX dollars of medical bills which does not belong to me and i have called the collection company ( IC System Inc ) twice asking to dispute because it was not mine, I remember asking twice for disputing of the same claim and so far nothing has been done to it. This is within the last 5-6 years I think and still today its been ruining my Credit Report. IC System Inc collection company. So please Im asking for help to see if this can be removed off of my credit report as soon as you can with all do respect, appreciated.
08/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07109	Web
I received a notice from I.C. Systems Inc. on XXXX claiming I owed an alleged debt in the amount of XXXX I responded to the notice through certified mail with return receipt for my evidence, I never received a response back according to the FDCPA this company had 30 to 45 days to respond which I.C. Systems Inc. failed to do so, I wrote them a second time still no response this is a direct violation to my consumer rights also they were supposed to stop all collection activity and reporting to the credit bureaus until they could verify the debt with a contract bearing my signature and other forms of documents. Which they continued to do without my written consent according to the FCRA 15 us code 1681b that's another violation permissible purpose. I am in my legal rights to counterclaim against I. C. System Inc. for up to XXXX for each violation.
09/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60639	Web	Servicemember
Recently a collection agency has attempted to collect a debt from XXXX that wasn't mine for the amount of {$1300.00}. the debt was later discharged and affidavit and police report was given to that last collection agency that this debt was sold to by XXXX and was resolved so i thought. I now received notice from another collection agency ICSystems Acct # XXXX for the same debt and amount. this account was file as a identity theft claim. report was made regarding my identity with the Federal Trade Commission report # XXXX and police reports was made with my local police department for victim deceptive practices. XXXX is threatening my financial future as well as IC Systems. to attempt to collect a debt twice regardless of the fact reports was made for identity theft is unfair and breaks multiple rule according to The Fair Credit Reporting Act.
10/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 147XX	Web	Older American
This account was originally owed by my ex-wife. It consisted of an electric bill and gas bill from two separate residences in XXXX XXXX, NY and XXXX, NY which were combined by XXXX XXXX XXXX Gas and Electric into one account when my ex didn't pay the bill for which she was responsible. The combined total was reported to collections in XX/XX/XXXX, scheduled for removal from my credit report in XXXX. The debt was aparently sold to another agency, IC Systems, on XX/XX/XXXX, account number XXXX. This created an additional issue, which is huge. IC Systems reset the collection date another 7 years, even though my only interaction with them was an online dispute through XXXX XXXX as an intermediary. This is unfair and a violation of Fair Credit standards. Currently reported to XXXX and XXXX XXXX, I want this debt removed immediately from my reports.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38119	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX OF XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36832	Web	Servicemember
The information is incorrect from this company. I cancelled this in-home telephone system when I was informed that Internet was not going to be available through XXXX XXXX XXXX XXXX I did not use this system and when I notice that the money was being taken out of my checking account. I contacted this company again informing them that I wanted to have internet and wifi and they could not give me the service that I needed. Hence, I informed this company that I needed internet and wifi in the beginning. I did not need telephone service without internet. Your information may have changed since XX/XX/XXXX View your current credit report Account info Account nameI C SYSTEM INC Account numberXXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$630.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX {$630.00}
05/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75126	Web
This collection company put this collection on my credit report with XXXX, IC Systems for a bill with XXXX XXXX on XX/XX/XXXX. I reached out to XXXX on XX/XX/XXXX to state this was not my collections and that on XX/XX/XXXX another collection company tried to place this same exact debt on my credit which XXXX took off my credit on XX/XX/XXXX. Apparently this collection company bought this debt and has again violated my consumer rights because I reached out to XXXX XXXX and they are aware this was not my debt. I asked XXXX to please dispute and remove this collection. XXXX in turn did an update to my credit file on XX/XX/XXXX trying to delete this collection but allowed IC Systems to put the collections back on my credit on XX/XX/XXXX. I have attached documentation showing it was removed the first time and would like it taken off my credit.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I have been through this same issue with XXXX and several collection agencies and the debt is removed then it is transferred to another collection agency. I have never done business with XXXX or any of it's affiliates. I don't owe any collection agencies on behalf of XXXX. I have never provided any of my personal information such as social security number, name, date of birth etc. to XXXX. I have never conducted busines with XXXX or I.C. Systems. I received a letter from I.C. Systems trying to collect a debt on behalf of XXXX which I don't owe. I have never done busines with I.C. Systems or XXXX. I would like this account closed and I don't want to be contacted by XXXX or any of its affiliates or any collection agencies on behalf of XXXX. As I have stated I have been through this several times and I am starting to consider this harrassment.
07/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78572	Web
I C systems Collection XXXX XXXX XXXX XXXX XXXX was paid before closing account with them. Account closed more than XXXX years ago. XXXX XXXX XXXX was holding refundable deposit of {$300.00} required to open account. XXXX was kept by XXXX XXXX XXXX to fully cover last bill. Last bill amount due was {$200.00}. Remaining {$99.00} from {$300.00} deposit was to be returned to me by check. Requested last bill showing deposit used for payment covering last bill. But last bill was not sent stating this because they said it wasnt possible to specify on bill that deposit was used to cover last bill. Account was assured paid covered by initial deposit and closed. Never received remaining {$99.00}. Called many times but was never given an answer only that my account was closed and bills were not sent out to accounts that have been closed.
02/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29456	Web
In XX/XX/XXXX I was under XXXX by the florida department of corrections on a XXXX in florida, I was in the back of a transport vehicle and that night the officer driving must have dozed off because he hit the edges of the railing and the XXXX rocked back and forth violently. I was squished between the metal seats ( while in cuffs ) and another inmate who was larger around 300 lb at least. I was having XXXX XXXX XXXX and the officers did not report the incident. Instead they continued to drive in fear of their own jobs and avoided the situation. I was passed along to another van transport whom was concerned with my health and took me to the XXXX XXXX XXXX XXXX whom is now charging me, but I was A ) in XXXX up until ( XX/XX/XXXX ) and B ) If anyone is to be charged with this debt it is the police, the department of corrections of Florida.
02/26/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23113	Web
I disputed an amount with XXXX XXXX in XXXX. They refused and said they would ruin my credit. They then put the amount they said I owed {$82.00} on my credit as unpaid debt. As of XXXX XXXX, a debt collection agency added this debt to my credit as a new debt and has claimed it as late for the last year. This was an old debt, added onto my credit as a new delinquent debt. I found it on XXXX, due to an app I have, and suspect it is also with the other two credit bureaus, but have not paid to receive a copy of those reports yet. This is underhanded ... adding this debt as a new delinquency. I contacted XXXX and disputed the debt and as of XXXX Experian has removed it from my credit report. Information is as follows : XXXX Report number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX
10/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29229	Web
I had an original amount owed to XXXX XXXX was XXXX. The debt went into collection with me not having any knowledge of it. The collection company took control over the debt in the middle of the worse pandemic in our life time. Meanwhile, returning to work after being furloughed for almost a year. I notice the collection on my credit report. I reach out to XXXX and paid the debt in full with the agreement that it would be deleted. The collection agency refuses to verify the debt. The collection agency refuses to verify with XXXX that the debt was paid in full. I spoke with XXXX ( operations supervisor ). He refused to acknowledge that the debt was in fact paid. Please look into my case and ensure that the collection agency are practicing fair according to the law. I am reaching out because I have done everything else to have them comply.
08/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07840	Web	Servicemember
I XXXX XXXX SS ending in XXXX would like your assistance in removing this collection from my credit report due to it being placed on my credit by numerous collection agencies prior to I.C System INC ( original debt XXXX ) attempt to collect {$820.00} XXXX XXXX for an account XXXX. This is not the original collector ( unverified duplicate account ) the same debt attempted to be collected by XXXX XXXX XXXX XXXX for {$820.00} original source XXXX XXXX. I explained to XXXX the original source this is not my debt after a long hard fight I gave in and accepted the loss and the hit to my credit. After repairing my credit another collection agency attempted to collect the debt without notice and decrease my score 39 pts for the same debt. I've offer to pay and they said they will not delete it from my credit report. Please give me some guidance.
12/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77521	Web	Servicemember
This company sent me a letter stating I owed a debt to XXXX XXXX in the amount of {$260.00}, but they would settle for XXXX if I call them and settle it. The amount they are stating is owed, was from equipment being sent back delayed due to Hurricane Harvey hitting and flooding the XXXX area some years back. The equipment has since been returned and the account is a XXXX balance. Also, I was a service member that was able to void the contract with military orders for XXXX. This company is requesting money that isn't even owed with any validity. They are preying on a XXXX XXXX XXXX Veteran. I have already dealt with this with another collection company prior on the same exact debt! It's a shame that these companies exist. I will not provide this company any personal information in order to dispute through their website. This is ludicrous.
01/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06880	Web
I closed my account with XXXX XXXX in XX/XX/2020. At the time I closed my account, all amounts due were paid. This was required since the phone number was transferred to my wife who also has an account with XXXX XXXX. I was never informed of any outstanding bills. Not by text messaging. Not by notice of any kind- email or snail mail. I checked my credit recently and saw that there was a delinquent report by XXXX in XXXX, XXXX and XX/XX/2020. I tried to call XXXX to find out what the debt was for but they just referred me to IC Systems- a debt collection agency. The XXXX representative said that she could not tell me anything else about the alleged debt and that I would have to talk to IC Systems. I sent IC Systems a letter asking as to proof of the alleged debt and have yet to hear back from them. I believe this to be a false debt.
07/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 762XX	Web
To whom it may concern : I have several collection accounts on my file from a collection agency named IC SYSTEM the accounts are as follows ( ). Please be advised that I am disputing these collections due to the fact that IC SYSTEM has not responded to my requests for debt validation within the required 30 days. I sent IC System letters requesting debt validation via certified mail using the following receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These letters were delivered on XX/XX/18, it is now XX/XX/18 and I have received XXXX communication in response to my validation request. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with proper debt validation from IC System to collect these debts. Your immediate response is greatly appreciated.
08/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43110	Web
IC System Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my 3rd time complaining about this debt that I do not OWE! I had an unverified debt from RECEIVABLES PERFORMANCE MANAGEMENT LLC ( XXXX ). FIRST UP... THIS ACCOUNT WAS ON A BUSINESS ACCOUNT THAT IS WITH AN LLC AND I DO NOT HAVE ANY PERSONAL ACCOUNTS IN MY NAME THE COMPANY IS XXXX XXXX XXXX XXXX. SECOND IT WAS A FRAUDULENT CHARGE THAT WAS BILLED TO THE COMPANY WITHOUT ANY verifiable ITEMIZED SERVICES OF PURCHASES/SALES ETC. UPON THE DISCOVERY OF THE ACCOUNTING ERROR I REQUESTED PROOF OF ANY ADDITIONAL TRANSACTIONS XXXX COULD NOT FIND ANY BILL OR REASON FOR THE RANDOM CHARGE OF {$370.00}. XXXX XXXX XXXX MADE A REQUEST TO REFUND THE CHARGE BUT XXXX CHARGE NOT FIND THE RECORDS OF THE TRANSACTIONS. THAT CHARGE WAS THEN RESERVED OFF OF MY ACCOUNT WITH XXXX
08/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77056	Web
I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX - ACCOUNT XXXXXXXX ( NO KNOWLEDGE 4. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT IC SYSTEMS , INC HAD THE ACCOUNT FIRST AND THEN SOLD IT TO XXXX XXXX. IC SYSTEMS FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 5. IC SYSTEMS , INC -ACCOUNT XXXX XXXX XXXX ( NO KNOWLEDGE ) 6. XXXX XXXX ( NO KNOWLEDGE )
09/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31322	Web
THIS IS NOT MY ACCOUNT. ARGUES WHEN CONTACTED. ASKED FOR PROOF AND HAS NOT PRODUCED PROOF OVER 2 YEARS AGO. NEVER HAD CABLE OR SERVICE, I DO NOT WATCH TV. WAS IN HOSPITAL 6 TIMES DURING THE TIME THEY SAY WAS OPENED. I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX details 0 % of this account is paid off Balance {$520.00} Balance updated XX/XX/XXXX Original balance {$520.00} Account info Account number XXXX 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 updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
01/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30504	Web
On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.
01/02/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 272XX	Web
In XXXX 2017 i purchased a phone for my girlfriend at the time through XXXX. On XX/XX/XXXX I found out she transferred to XXXX and she said XXXX paid XXXX off for her business and turns out we owed XXXX like XXXX dollars for the phone because XXXX technically didnt buy her out. I was really unaware of all of this until it was too late. I had been paying XXXX monthly for her not knowing we owed XXXX. I received the collection letter and I immediately jumped into action and started making payments on the debt. I only owe about 100 dollars now and should be taken care of this month and Id really appreciate if I could be forgiven for this misunderstanding and if I could have the derogatory remark taken off my credit report. If you see my credit report you can see Im very responsible and that this never happens. I have 100 % payment history.
02/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue may be resolved immediately.
05/31/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84107	Web
I had received XXXX XXXXXXXX back in 2013. After the XXXX was completed I began having complications with my XXXX so I went back to my doctor for a review. It was determined that the surgeon had damaged my XXXX XXXX during the original XXXX on my XXXX. He offered to do another XXXX to repair the accidental damage done from the first XXXX at no cost to me. I agreed and the XXXX was preformed. Some time later I started receiving bills from my doctors office for the secondary XXXX preformed. After calling my doctors office and explaining to them what had happened and why the second XXXX was needed they agreed to stop billing me. Later after having my credit report pulled I noticed that my doctors office had sold the debt to a collection agency. I never agreed to this debt and I have been unable to have it removed from my credit report.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : AT T ) XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
08/02/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19711	Web
I received alert from credit bureau about collection item that damaged my credit. The item was previously paid and settled with a prior collection agency XXXX XXXX and was removed XX/XX/22 from credit bureaus. On XX/XX/22 alert of collect item from credit bureaus for same debt again which damaged my credit but this time from a different collection agency I. C System. I attempted to contact collection agency And spoke to a representative that refused to assist me. I explained that this was originally settled and paid with XXXX XXXX And asked why they were trying to collect the same that again. I am putting this complaintd in because it has damage my credit and this company is trying to double dip after another collection agency and refused to remove from my credit. I have also disputed multiple times and still havent gotten anywhere.
02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC XXXXX	Web
I closed my account with XXXX XXXX in XX/XX/XXXX, and I returned my equipment in XX/XX/XXXX. I had a bill with XXXX XXXX that I did not pay and they gave my debt to XXXX XXXX XXXX. I paid a balance of {$330.00} to XXXX XXXX XXXX, and this balance was paid off in XX/XX/XXXX. Somewhere between XXXX XXXX XXXX sending my paid in full balance to XXXX XXXX, XXXX XXXX gave my account to I C Systems in the month of XX/XX/XXXX for the balance of {$290.00}. I made several calls, and I sent all the paperwork they requested to the I C System and the same with XXXX XXXX. I have disputed this account several times. They are all refusing to comply and accept that I paid off my debt for my XXXXXXXX XXXX services to XXXX XXXX XXXX. Please help me with this matter. I am cleaning up my credit, and now this is on my credit report under collections.
03/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32277	Web
I paid this collection company due to the fact that I did not recognize a debt that they were reporting on my credit report. I sent the company a letter requesting validation that was delivered on Monday, XX/XX/2019 ( XXXX Tracking Number XXXX ). I've attached a copy of the letter requesting accurate validation of this debt and indisputable fact the debt is mine. My payment on the account did not confirm ownership of this unknown debt, nor did they provide me with any sort of verification of the debt. I have not heard from this company and the debt is still being reported as " settled/paid '' on my credit report. Please stop reporting this unvalidated debt from all credit reporting agencies ( XXXX/XXXX/XXXX ) and/or provide me with valid " wet ink '' validation of my signature on an original document associating me with this debt.
05/31/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85641	Web	Older American, Servicemember
XXXX. Not my account. This situation has been ongoing for so long, I do not even know when it began, but do know that I am very ill and XXXX at the time and over XXXX. I could hardly believe I received another collection letter recently, thinking after speaking with XXXX a few times, that per them, all was corrected. I have had the same phone number for many years, 14+. I started getting billed first from XXXX and then the collectors. The statement amount if for {$470.00}, dated XX/XX/2017, which was sent with the collector letter. I.C.System, account # XXXX, ref # XXXX. {$94.00} of this amount is for a collection charge. I realize one could talk until they are blue in the face with people like this to no avail. Well, I buy cheap phones and keep my bill down. I do not know how this occurred, but want the harrassment stopped.
05/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38053	Web	Older American, Servicemember
I have attemped to resolve this is sue with Credit Reporting Agencies and the comp anies included in my complaint. Approximately 18 months ago I started receiving delinquent noti ces from I.C. Systems, INC. {$890.00} and XXXX XXXX XXXX {$99.00} that 's located in Washington State for accounts opened in XXXX and XXXX XXXX respectively. I advised them that I 've never lived in or visited Washington State. My son by the same name and obvious ties to my address was stationed in the XXXX there. I was advised in early XXXX by th e I.C. Systems INC. and XXXX XXXX XXXX that the matter would be resolved and taken off my credit record. AS of XXXX XXXX , XXXX , the incorrect information has not been corrected and continues to negatively effcet my credit history and score. Please advise. XXXX XXXX XXXX
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 54751	Web
To whom it may concern. I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$300.00} Account Name 1.C. SYSTEM, INC Account # XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements.
08/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 516XX	Web
I was applying and looking at a mortgage for my son and I and was notified by the credit union i had a collection on my account through I C system from XXXX communication. i had canceled and returned all equipment and was told i owed nothing to them and recieved zero contact from the debt collector about it being reported on my credit report leaving a deragatory remark, which in turn hindered my chances of getting a mortgage. XXXX told me they have bo ledger or description of why i owe or what i owe. The deragatory remark on my credit report without any notice from the collector because it being a charge off which they will not collect is unethical to not give the person notice or a right to dispute the debt in which my case i do not believe i owe. Finding this out just now when applying for something like this is very unsettling.
12/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30093	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
07/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 782XX	Web	Older American, Servicemember
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. Thank you for your assistance. Sincerely, XXXX XXXX XXXX
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXI C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I C SYSTEM responded with a letter with the account that was never mine. The account that I was disputing is under XXXX XXXX XXXX I C SYSTEM # XXXX Original Creditor : XXXX XXXX XXXX I C SYSTEM is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33619	Web	Servicemember
I.C. SYSTEM, INC put a derogatory mark on my XXXX credit file. I called them on XX/XX/XXXX the day it posted on XXXX and they told me I owed XXXX {$190.00} from 2016. I knew I did not because I have 2 accounts with XXXX from before 2016. XX/XX/XXXX they put a second derogatory mark on my XXXX credit file for the same {$190.00} for XXXX. XX/XX/XXXX, I called XXXX to verify that I did not owe them anything and they told me that I do not owe them..that my previous accounts with them show a XXXX balance and if I had an account that went into collections it would show on their end that it was written off. This collection agency is using excessive tactics to post 2 negative reports on XXXX for the same {$190.00}. that I do not owe. I asked them for proof that it was my account and they said they could not give me that information.
06/06/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33770	Web	Older American
XXXX has sold my acct to multiple collections companies and they are all trying to collect different amounts. I've already paid my balance. On XX/XX/XXXX XXXX reported to XXXX XXXX XXXX for {$520.00}. I paid this amount even though I believe it was an error and I think the cable company charged me for equipment i returned. I paid {$520.00} on XX/XX/XXXX, ref # XXXX. I can attached bank statement. This was under my legal name of XXXX XXXX. Then on XX/XX/XXXX the CPA billed me for {$420.00} under the name XXXX XXXX for a XXXX acct. It's not possible to have two cable accts for the same address i disputed it. Now another collection called IC System is billing me for the {$420.00} again. XXXX XXXX XXXX also reported the {$420.00} on XX/XX/XXXX and I believe I also paid this acct in error since i was in the process of buying a home.
08/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 117XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
07/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75219	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
02/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37215	Web	Older American
IC System at XXXX XXXX XXXX XXXX MN XXXX has been hounding me to collect a final bill for my deceased daughter XXXX XXXX XXXX told me with a death certificate and alll equipment returned, there would be no charge for final bill. When IC System since the first collection notice I called XXXX to verify that the death policy was correct. It was confirmed it was. I sent XXXX this information and they continue trying to connect. This time they sent a disconnect notice and verification of the account in a copy of a XXXX bill. I called XXXX again and they have no account under either my name or XXXX nor the address or phone numbers. We have no account with XXXX and havent since she died last year. They also have tried to collect for XXXX XXXX XXXX. I believe they are a predictor company preying on survivors. Please help. XXXX XXXX
01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98106	Web
This had been an on going issues for three years. Original was from XXXX XXXX XXXX ( or they said they are XXXX XXXX XXXX This cellphone account was opened at New Jersey, where I have never been and phone bill unpaid for up {$1500.00}. I have called XXXX XXXX XXXX and told them that was not me because it was not my name. XXXX XXXX XXXX tried to get my name and I would not tell them because if I have opened that account, they should have known my name. Therefore, they have transferred this bill along with my address to different collection companies. When I called XXXX XXXX XXXX, it couldn't get into the fraud account. It said there were passwords. It made me wondering because what kind of company will open an account that their own administrators can't get in? Maybe it is an inside job? Maybe XXXX XXXX XXXX is also an fraud?
08/25/2019	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 Their investigation did not fix an error on your report	VA 23462	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX This is from 2017 but seemed a lot longer ago. I was given a XXXX/XXXX XXXX to wear and was assured by the office manager that it was fully covered by my insurance company 100 %. I took the brace home, never wore it, then received the bill for {$180.00} and that it was not covered by my insurance company. I called XXXX XXXX XXXX XXXX XXXX and spoke to the office manager who said there was nothing she could do. I explained to her that I could not afford to pay {$180.00} and that I would return the XXXX. She refused and I told her I was bringing the XXXX back anyway because they told me it was no charge, I could not afford it & it was not unworn. I returned the brace to their office the next day & they have since refused to take responsibility for their error or acknowledge that I brought the XXXX back.
08/03/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 563XX	Web
On XX/XX/2021 I received a debt collection letter from I.C. System, Inc. On XX/XX/2021 I wrote to I. C. System, Inc. not to call or mail me any further collection debt stuff, that it will be considered harasment. I mailed the letter on XX/XX/2021. On XX/XX/2021 at XXXX XXXX from the number XXXX, the male representative stated that he was trying to collect a debt for I.C, System, Inc. I told the guy that I wrote a letter to his company on XX/XX/2021 to not contact me further via, phone or by US Mail, that it would be considered harassment. He stated that his company doesn't have a letter in my file regarding this info. XX/XX/2021 after the phone call I wrote a letter telling I. C. System , Inc. not to contact me again via, phone or by US Mail. I will mail the letter via, Certified US Mail, Number XXXX XXXX XXXX XXXX XXXX.
05/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30022	Web
I just noticed from my credit report that an unknown collection agency has reported a utility bill from a company ( XXXX ) which I don't have. I contacted the credit bureau XXXX which is showing this on their page and disputed It as I don't have a XXXX account, and want this removed from my credit history. They rest of the credit bureaus have already removed this from my account except experian. -- - Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2021 Original balance {$360.00} {$360.00} Payment Info Original balance {$360.00} Balance {$360.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 2021
04/19/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30294	Web
Was contacted by representative from I C Systems on XX/XX/19 claiming to be a representative from XXXX XXXX XXXX. She never mentioned her actual companys name but claimed that I owed {$87.00} to XXXX XXXX XXXX and that once I paid the {$87.00}, the account would be settled and not reported to the credit bureaus. I paid the fees and assumed the account was closed. Two days later I was alerted by XXXX XXXX that the account was reported to the bureaus as delinquent and that I owed {$240.00}. I immediately disputed the negative item on my reports, disputed the {$87.00} payment with my bank as a scam and filed a report with the consumer finance agency. I C systems uses deceptive practices and fraudulent misrepresentation to convince consumers to make payments on accounts to prevent negative credit impacts. DO NOT PAY THIS COMPANY.
04/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 674XX	Web
This company is a collection company working for XXXX XXXX . There have been several other companies hired by XXXX XXXX and I have had to go through this. XXXX XXXX hired an independent contractor to install a XXXX XXXX system in my residence in 2012. The representative vandalized my h ouse. He placed the dish on the roof of which he damaged and was instructed not to. He did a horrible job of stapling cable across my house, of which he was instructed not to do. He made 3 holes through the exterior of my house instead of using the exist ing one. He threw my storm door open in the wind, of which ripped it off. I have been through this numerous times with different collection companies. I do not ow e them anything because this was never made right with me. I do not owe this company to vandalize my residence.
10/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37803	Web
This debt is originally to XXXX. I have been trying to correct this with them for over a year now. IC Systems is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from IC Systems that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77061	Web
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
07/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46375	Web
I.C. Systems Inc. Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. Account number : XXXX UNVERIFIED ACCOUNT I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
07/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web	Servicemember
IC Systems is reporting incorrect information because this is NOT my account. I asked them to validate the account under a previous CFPB complaint and they sent me a number of bills on behalf of XXXX that has an address I did not reside at with the incorrect spelling of what I assume supposed to be my name. The bill reflects a XXXX XXXX, NOT ME. I spoke to XXXX and advised this was not my debt and the woman from the XXXX Executive Office hinted at me creating multiple accounts with them and told me that it was NOT fraud so it wouldn't be reported as that. She furthermore, advised she was going to speak with her finance manager and NEVER called me back. What was your Method of Verification IC Systems? I am needing to know : - The person 's name they verified the dispute with. - The documentation used to verify the dispute
06/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89012	Web
I. C. System, Inc. sent a letter on XXXX XXXX 2017. The claim, the creditor is XXXX , the collection ag ency I.C. System, Inc. is claiming to represent XXXX ; claiming we have a balance due of {$100.00}. Because we have a very detailed records retention process, we pulled up every bill paid on the account in question ; all bills were paid on time, the account was closed, and the Creditor sent us a chec k on XXXX f or money they owed us. I contacted XXXX X/X/17 at XXXX XXXX , spoke to XXXX , who doubled checked our closed account, her response I quote : " your balance is XXXX , you 've been a excellent customer, would you like to come back to us? '' I asked one more time, do we owe XXXX anything, " no you do not, ignore the collection letter, it sounds as if you 're being scammed. ''
12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47711	Web
this debt collector has violated several of my rights under the Fair Debt Collection Practices Act. I have never done business with this company and there is not a contract bearing my signature that i owe this company. This is false and misleading that i owe this company any amount of money which a direct violation under 15 U.S.C 1692e This company has damaged my consumer report by furnishing an account under false pretenses and committed Identity Theft. according to federal law 15 U.S.C1681s-2 '' 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 '' I will be filing a complaint with the attorney general and will pursue litigation
04/30/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	UT 84405	Web
I received notification of settlement to resolve a debt from IC System. On XX/XX/2020 I went online, entered the reference # XXXX noted on the offer and paid the amount offered to resolve the debt. ( XXXX toward a principal of XXXX ) A few days later I followed up online and the debt did not reflect my payment. I called customer service and assured them the payment cleared my account and gave them the confirmation # I received upon payment. After a moment, the representative stated the payment was applied to a different account. An account to which I had no knowledge. The account to which the payment was applied had time-barred debt. I believe the company knowingly mis-applied the payment in order to reset the statute of limitations on the old debt I was not aware of, in order to hold me liable for set time-barred account.
06/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 624XX	Web	Servicemember
I received a collection letter from IC collections, regarding a debt from XXXX XXXX for unreturned equipment in XXXX. XXXX sent me a letter stating my balance was zero and the charges were reversed. Not to mention this debt was XXXX in XXXX XXXX in XXXX,, they reported it to collections on XXXX after requesting proof of the debt and myself not receiving said proof. I called direct and they basically reversed the charges for the equipment and subsiquently opened a new account with the same balance for the equipment. I didn't authorize nor request any new accounts. I advised both companies of the multiple violations they were committing and got nobody that could speak English enough to understand, or lacked the cognitive ability to. I'm intending pursuing further legal action for damages under the Fair credit reporting act.
04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20705	Web
I.C. SYSTEM, INC has reported a collections account to my credit reports in the amount of {$260.00}. They are in direct violation of the Fair Debt Collection Practices Act. I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from XXXX and can clearly see nothing from IC Systems was ever sent. IC Systems has violated articles 807, 808, 809 and 812 to name a few.
05/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33428	Web	Older American
After the equifax breach there were a lot of fake charges and I was able to get all but one expunged. This fake {$170.00} " IC Systems Collections # XXXX " original creditor XXXX XXXX '' is not valid as I have used XXXX for many years and haven't used " XXXX XXXX '' for about 8 or 9 years and when I had it they directly deducted their payment from my credit card with no issues. So this is FAKE FAKE FAKE and I can not get XXXX to understand this-there is no intelligent human life there to work with and I am up to hiring an attorney for {$5000.00} down just to fight to get my credit report to be accurate with XXXX. I pay ALL my bills including credit card 100 % each month, no balance EVER, and I just paid my second mortgage balance IN FULL so it isn'r about money, IT IS ABOUT HONOR AND HONESTY!!! Thank you for helping me.
01/04/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 78132	Web
I tried XXXX cell plan. After trying repeated attempts to improve service with tech help from XXXX we determined my home is in a dead zone. I canceled service on XXXX day. Then I get hit with collections. On XXXX XXXX removed this ( report # XXXX account # XXXX ) and deleted it from my credit report. It never should have been charged since I canceled XXXX service after XXXX days of terrible service. Then it was deleted from my credit report in XX/XX/2022. Now its back again as IC SYSTEMS COLLECTIONS # XXXX for {$120.00} with about {$30.00} in fees and interest added to the amount. I have tried to get this removed, I never used the service because they couldnt provide service to me. The calls I made were all recorded for quality purposes. Ive requested copies of them several time, never get a response. Thanks, XXXX XXXX
10/29/2020	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	CA 90805	Web
XXXX XXXX is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both XXXX and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX
02/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30022	Web
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days. This company has 2 different collections on my profile!
02/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
01/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
12/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
12/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
05/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85210	Web
I have made several attempts to get the information and verification of an account with I.C SYSTEM, INC. with half the account number XXXX ( which is odd the whole account number is not listed, so how do you put that on my credit report ) verified that has been reporting to my credit report over the past 4 months. I have mailed several letters to the company, certified with return. The company refuses to send me the contract or any information on the account bearing my signature which is required by law, so I can compare that account towards my records, because I have no knowledge of the account. I have tried several times to dispute the account with all 3 major credit bureaus, and there not doing the investigation at all, there simply lying about doing that part. I would like a full investigation into the wrong doing.
04/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95834	Web
XXXX XXXX XXXX sent me to the a collection agency by the name of IC Systems Collections. I have communited with both companies and they continue to refer me from one company to the other. I cancelled the account before I filed a BK, called XXXX XXXX XXXX and requested that they shut the account off and also included the account in the BK just to be sure it was closed. XXXX XXXX XXXX reopened an account under a different number and has continued to bill me for it. I spoke with a woman two years ago and she confirmed that she resolved the issue. When I pulled my credit, I realize that it has since been sent to collections and the collection company and XXXX XXXX XXXX are telling me that the best thing to do is to make the payment. It 's wrong and unjust and I just want the collection removed from the XXXX credit bureaus.
02/03/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 321XX	Web
On XX/XX/XXXX I was involved in a car accident. Someone rear ended my car and I was badly injured. As a result, I was under physical therapy for several months and I needed to get XXXX XXXX. The person who was at fault in the accident had minimal insurance coverage and the amount of my XXXX was {$85.00}, XXXX which exceeded the {$15000.00} coverage that the party at fault had and also the equal amount that was paid by my insurance company. My XXXX attempted to pay a partial amount of the bill however XXXX XXXX XXXX and XXXX which performed the XXXX refused to take this amount. Now they are trying to sue me. On XX/XX/XXXX I received a summons stating that XXXX XXXX XXXX and XXXX wants to take me to court. I don't feel sufficiently better after the XXXX and I am still in a lot of pain. I want them to stop harassing me.
10/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27707	Web
I was contacted by IC System ( Debt Collector ) about a {$40.00} debt that was owed to a Cable provider ( XXXX ). They had the wrong address on file and had an incomplete last name and wrongly spelled first name on file. They said I owed a debt from XX/XX/XXXX but said the actual amount was for equipment in XX/XX/XXXX. I did not use any cable equipment in XX/XX/XXXX. I contacted my cable company ( XXXX ) and they said they do not see any outstanding charges under my name. I believe this may be someone else 's debt because the address was wrong and the spelling was off. I am worried about my credit score and will be taking appropriate steps to contest this charge. I do not understand why I am being notified about a debt date marked as XX/XX/XXXX but it references XX/XX/XXXX equipment. Account number referenced was XXXX
01/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44128	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and wilful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001 Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization-used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being investigated by the FTC
07/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77054	Web
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
07/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77054	Web
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32937	Web	Servicemember
This was a result from a XXXX service that I did not received in XX/XX/XXXX while I was XXXX. I had paid over {$400.00} regarding the service I did not get & disputed this issue with XXXX repeadly while I was XXXX. Then two years later in XX/XX/XXXX I get the harassing phone calls and mail claiming that I owe this collection agency over {$700.00} and they asked for documents I could not provide. I physically went back to the XXXX store in XXXX, Ga where I originally purchased the phone but they claimed that they no longer have any documents regarding my transactions with them and apologized for the failed service. The collection agency repeatedly kept asking for proof of purchase that the XXXX store can not provide. I paid for a service I did not get and should not have to pay or owe this collection agency anything.
12/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92706	Web
My finace was treated by XXXX XXXX XXXXXX/XX/XXXX before he passed away. The medical office has hired IC Systems and XXXX XXXX XXXX to pursue collection attempts and have added the debt as a collection account to my Credit File with XX/XX/XXXX and XX/XX/XXXX When I communicate with IC Systems and XXXX XXXX XXXX they have no details on the file to give me and have even had an incorrect address. The debt is not mine and I have filed a dispute with IC Systems and XX/XX/XXXX The result of the XX/XX/XXXX Dispute was that it was a " valid claim '' and it is not. I have been attempting to address this incorrect debt attached to my credit report since XX/XX/2020 with no success ( dispute filings XX/XX/2020 # XXXX, XX/XX/2020 # XXXX, XX/XX/2020 # XXXX XXXX. I am still disputing this debt. the accunt with IC Systems is XXXX.
10/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 61201	Web
3 times Ive sent debt validation letters to IC Systems. Every time they send a response they say that they can not find me in their files bc I have not submitted any information they need to look me up. My name and address are always included and they can not locate me in their system with either or. But they are reporting this allege collections on XXXX & XXXX. I then sent a dispute letter to XXXX & XXXX and both investigations have came back verified. Ive then sent the credit bureaus another letter asking how the account was verified if IC Systems can not locate me in their system, only to receive another verified investigation result without proof of their verification process. This account needs to be removed immediately since they can not send me debt validation bc they can not find me in their systems.
09/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NM 87031	Web	Older American
My son and husband are both XXXX.When Billed XXXX. They called to cancel stating they were charged to much. They said they would work with them if they paid XXXX and then XXXX for phone and would suspend account. The next bill came to XXXX. I then called asked to speak to someone in resolution dept, talked to XXXX on XXXX, who said not only would the charge stay at XXXX but also added XXXX totaling XXXX which was sent to collections which has effected my husband who takes pride in paying his bills. We are on fixed income, my husband is XXXX has XXXX and my son XXXX, with whom my husband got phone for. They were dishonest in payment and fees when they sold this product.When I see commercials on what they promise it makes me sick, and to have a person like XXXX who is suppose to help resolve problems, was very cold.
03/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33569	Web
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by I C Systems. I C Systems has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and an affidavit to I C Systems. They received it certified mail and signed off on XX/XX/21, at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
04/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80013	Web
I declare under penalty of perjury funder the laws of the United States. If'executed outsid [ of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certiy that i am permised by FEDERAL and STATE LAW to tie this dispute 1 also understand that knowing and willul misstatements or omissions of material facts consttutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C. 1001 Additionally these misstatements are punishable as perjury under 16 U S C 1621. This collection found within my credit report are not related to any transaction that I made I alleging that a person or company- without my authorization- used my personal identilying information to apply for goods, services, or money and, was successful in creating some accounts. All is being investigated by me FTC
11/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 175XX	Web
I received a letter from IC systems threating to damage my credit if I do not pay an alleged debt owed. I do not nor did I ever have any contractual obligations with IC systems regarding any services rendered nor did they ever extend to me any loans. IC systems is in violation of the FDCPA under 15 usc 1692 * communicating with me without my approval or consent * threatened to advertise debt to coerce payment *harassment, abuse and damage to my reputation IC systems claimed to be collecting for XXXX XXXX XXXX which is also a violation because I did not authorize XXXX to give my personal information to any third party debt collection agency because I am the original creditor. Both XXXX and IC systems are in violation of the FDCPA. I have attached a copy of the letter with the violations and threats made to me.
08/11/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
On XX/XX/XXXX i get a fraud alert thru Identity guard about a collection that i do not have with this company which is I C System Inc. in amount of {$210.00} unknown what its for so i did my research thru Secretary of State in Texas and see they are not bonded in Texas and can not collect a debt in Texas i used the physical address and the pobox address and they can not be located so meaning not bonded in state of TEXAS TO COLLECT DEBT and i request this come off my credit file immediately so according to Secretary of State Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State
01/15/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	SC 299XX	Web
this company calls me multiple times a week and every time I answer they ask for me and then hang up. I was contacted earlier today and again I was hung up on. I called back and the woman name " XXXX XXXX '' would not state the nature of the business or purpose of the call. I specifically asked if this is a collection agency and the woman kept stating the company name instead of confirming she is working for a collection agency. This is breaking multiple different laws. She was being evasive and using aggressive collection tactics. I will report this company to the attorney general and FTCC for violating FDCPA. I also called again to get a mailing address to send over a Verbal Cease and Desist. These phone calls are harassing and abusive. I will be seeking legal assistance to ensure this does not happen again.
02/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37379	Web
I had an account with XXXX above 3 years ago that I had terminated. Upon termination I had my account sent to collections stating I owed money. I spoke with XXXX and they verified I did not owe and sent me a refund check. Since then I have had XXXX different collection agencies show up on my report showing this account. Each time I dispute the account and then months later another account from a different agency pops up. This is becoming a huge pain and I am having to regularly check my report just to make sure another collection agency has not been added. Clearly that original account was sold to multiple agencies and XXXX refused to notify them so now I am being bombarded with collection attempts for a dept that was proven not mine. Below are the XXXX collection agencies ; XXXX, XXXX, I.C XXXX Systems.
05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web
On XX/XX/2022 I pulled my consumer report and noticed that I.C SYSTEM, INC is furnishing negative information to the consumer reporting agencies. I am aware that as a consumer I have the RIGHT for my information to not be displayed. I also did not give permission for I.C SYSTEM INC to furnish any information on my reports. Also the timing of these payments reported are inaccurate and should not be displayed as past due or in collections. This is a direct violation under 15. U. S. Code 1666b. Please be advised that my consumer should be equitable to me at all times. I would like for I. C. SYSTEM, INC to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was parked on my consumer report.
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19018	Web
XXXX is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. XXXX violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
01/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75056	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94070	Web
I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest XXXX store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with XXXX because they referred it to a collections agency and told me they no longer were involved at all. All I have received from this is a report on my credit.
12/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MA 019XX	Web
I pulled my credit report to find a {$130.00} alleged debt that was owed to a dentist. I have dental insurance. I was never notified that a portion was not covered. When I called the dentist ' I was told that the notice was sent to an old address. Therefore, I never received any notification or right to dispute the debt. They said they transferred the debt to a debt collector. They, too, never sent me anything at the correct address. Had I received proper notification and proof that the insurance company hadn't paid a portion, I would have paid the debt. As they did not follow required debt collection procedures, I would like the collection removed, for violating debt collection practices. Had they done their research, they would have known that they had the incorrect address, as DMV had my correct address.
10/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 47130	Web
I HAVE REACHED OUT ON SEVERAL DIFFERENT OCCASIONS REQUESTING INFORMATION FROM THIS COMPANY TO PROVIDE ME WITH SPECIFIC INFORMATION PERTAINING TO DEBT THIS COMPANY IS SAYING I OWE, WHO HAS GRANTED THEM THE AUTHORITY TO COLLECT THIS DEBT, WHEN DID THEY ACQUIRE THE DEBT, AND A COPY OF THE AGREEMENT I SIGNED WITH THE COMPANY THAT BEARS MY SIGNATURE THAT LEGALLY BINDS ME TO TERMS THAT REQUIRE PAYMENT WHICH CONSTITUTES COLLECTION AND REPORTING ON MY CREDIT. THE COMPANY HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED YET THEY ARE STILL REPORTING INFORMATION NEGATIVELY ON MY CREDIT REPORT.. I HAVE BEEN REQUESTING THE SAME INFORMATION FOR SEVERAL MONTHS WHICH IS A RIGHT I HAVE UNDER FCRA AND FDCPA. THIS COMPANY HAS NOT SENT THE INFO OR PROVIDED ME WITH PROOF IN A TIMELY MANNER WHICH IS AGAINST THE LAW
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 477XX	Web
IC System Collections has been notified by XXXX, as well as me, on more than XXXX occasion involving account # XXXX from XXXX XXXX to date of this complaint. Also XXXX XXXX XXXX XXXX has been notified as well. Most recentIy, see XXXX Dispute Report # XXXX. However, IC Systems & XXXX XXXX XXXX XXXX keep reporting these accounts of {$180.00} & {$1600.00} past due ' to the 3 major credit bureaus. Last date reported was XX/XX/XXXX, XXXX i I have been a victim of identity theft and have no knowledge of these accounts. All of my personal info including drivers license number, ssn, d.o.b., address, phone #, etc has been compromised in at least XXXX major data breaches and has been sold on the dark web. I have already filed an identity theft report with the FTC a few years ago about this. This is not my account!
07/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33578	Web
They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies.
12/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30327	Web
I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$200.00} but I have never done business with them or signed any agreements with this company. The account number on my credit is # XXXX. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX XXXX, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has several negative reviews and over 616 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 395XX	Web	Servicemember
I was a customer of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in 2018. In XXXX of 2018, my account information was changed without my permission. I notified XXXX XXXX XXXX immediately but they were unable to verify my identity over the phone because someone accessed my account without permission and changed my address, phone number and other info. I had to show identification at a store to get assistance. I requested a passcode be placed on my account to prevent my information from being accessed without my permission, however, that did stop the numerous changes made to my account without my permission. I cancelled my service, paid my final bill and returned all equipment. XXXX XXXX XXXX has sold my account to numerous collection agencies even though I have provided copies of paid in full receipts to them.
05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
I entered a consumer credit transaction with the alledged original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party IC SYSYEMS are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. IC SYSTEMS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
11/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30083	Web
This agency placed a negative item in my credit report without being contacted to dispute an alleged debt I owe them. They violated my right to dispute the alleged debt that I do not recognize. I sent them a validation letter for more than 30 days, but I never received a response. In the meantime, my credit continues to be damaged. According to the Consumer Financial Protection Bureau, a collection agency has 5 days to respond. I need them to validate the alleged debt properly. I sent them a very clear and concise validation letter. There are so many elements and so many questions that remain unanswered. I don't recognize the debt and if they think otherwise they will prove it to me with facts. If not kindly that they delete the negative information that they are validating in my credit report. Thank you
09/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 281XX	Web
On XX/XX/2019 I called to settle a debt on all 3 credit reports. I C System Collections promised to delete the debt on all 3 reporting agencies if I paid the debt in Full. I paid both debts in full and all I received was a letter stating promise to pay or what I C Systems calls a receipt. I have called repeatedly asking for a deletion letter and they refuse to do it after they promised to do so. I paid {$300.00} to remove both debts. I have also asked them repeatedly to remove the medical bills from my credit report because it violates my privacy rights. IC Systems continue to be rude to me when I call after I paid the debt. One debt was {$110.00}, the other was {$180.00} The company reported each debt but I paid them both together. IC Systems Collections XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
12/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33056	Web
I looked at my credit report on XX/XX/2017 to see an account in collections, IC Systems ( XXXX ), reporting an account to collections that I have never heard of before. I am in the process of purchasing a home and it is unfair that a company reports and item on my credit report without providing an written notice for me to dispute. This is in pure violation of section 809 ( a ) of the FDCPA : " 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 -- '' I maintain the right to seek legal measures against this company for improper adherence to the laws that govern them.
07/25/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91405	Web
I received a letter in the mail from a debt collection company based in XXXX XXXX MN ( I.C. System, Inc ) It claimed that I owed {$1400.00} to XXXX XXXX ( another company located in XXXX XXXX, MN - address : XXXX XXXX XXXX, XXXX XXXX MN XXXX ). The letter did not show an itemized breakdown of expenses. I do not know what goods or services were purchased for {$1400.00}. Prior to the letter, I have never been contacted by XXXX XXXX regarding an outstanding debt of any kind. I have never heard of either company. Now, this debt collection agency is stating that this debt is on my credit report. I informed them that this debt did not belong to me. The debt collection agency is asking that more of my private information be submitted to them for further review. They have provided no proof that I owe this debt.
11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33013	Web
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the I C SYSTEM INC ( XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account XXXX. I C SYSTEM INC ( XXXX ) XXXX Date opened XX/XX/2021 Balance {$1300.00}
07/22/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 02148	Web
IC Systems has been calling me repeatedly from spoofed numbers during the past month. When I call back, all the numbers bounce to IC Systems. The first call was on XX/XX/2XXXX XXXX XXXX XXXX. The second call on XX/XX/XXXX XXXX XXXX XXXX, and the third call on XX/XX/XXXX, at XXXX PM. How can one trust a company that needs to spoof numbers to communicate with people? Please stop your harassment. I do not have debts. I will investigate IC Systems further to discover if this company provides services to any of my former creditors, the companys practices, and history of lawsuits for the same reason as this case. I have included all my creditors in my XXXX XXXX bankruptcy petition and none is IC System. This is a cease a desist. Stop communicating with me. I have never had any relation with IC System. STOP!!
11/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91762	Web
IC System, Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX Account # XXXX ) The account was opened in the state of Georgia. I live in California. I have never lived outside of California nor have I ever cosigned for anyone to open an account. The said action appears on my credit report. At this point, it is preventing me from refinancing my home. I have disputed the action with XXXX, IC System and XXXX Neither XXXX nor ICS has provided me with documentation of the said account, nor the names of the account holders. I am requesting this account be removed from my credit report. The total debt is {$1100.00}. I have been advised by 2 different Mortgage companies ( XXXX and XXXX ) to pay the balance so we could resume the refinance process. It feels like big business extortion to me.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 626XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX " verified as accurate and updated '' disputed information regarding I C Systems Collections account no. XXXX XXXX XXXX in collections from original creditor XXXX XXXX XXXX XXXX ). I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXX XXXX XXXX, and XXXX XXXX does not appear to provide products or services within XXXX I have not been involved with XXXX XXXX in any way, yet I C Systems Collections has apparently repeatedly " verified as accurate '' the information it submitted to XXXX which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the I C Systems Collections and XXXX XXXX XXXX
07/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
I was a victim of identity theft XXXX years ago. The person opened a phone and cable bills in my name. Once I became aware of the issue, I immediately took action and called the company that was trying to report to the credit bureau. The company name is IC systems and they are a fraudulent company. I shared that I never opened an account with them and was a victim of identity theft. They still tried to ask me for my credit card info to pay the bill. I did not pay it and filed a police report. I also disputed the charge on my credit and had it removed. After XXXX years of thinking that this issue was resolved. IC Systems tried to come back and claim a collection on my report again but this time using a new account number. This company is a fraud and please be careful not to make any payments to them.
03/18/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 18704	Web
A debt collection company known as I C System collecting on behalf of XXXX sent an email with specific information regarding a debt owed to XXXX and disclosure I C System is a " Debt Collector attempted to collect a debt and any information obtained will be used for that purpose ''. I do not know how I C System obtained an email address associated with me, nor, have authorization to use email as a means to collect a debt. Furthermore, if an email is sent, it should be indicative of a personal/private message intended for the named recipient only, with details on how to obtain a personal/private message that has been masked for privacy. I believe this message violates the Fair Debt Collection Act since full disclosure of a collection matter was made visible to others accessing this email account.
02/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33405	Web
I was renting an apartment in a house for about 10 years ( approx. from XX/XX/XXXXthrough XX/XX/XXXX). Un aware that the landlord was piggybacking off of my electric to service from the basement and other areas of the house that had nothing to do with my account. I reached out to XXXX XXXX several times regarding unreasonable electric bills for one person in a small apartment unit. The landlord denied this claim and was also renting out an illegal unit to me which I was unaware of until I contacted an attorney and was advised. I ended up taking the landlord to court because he neglected to make necessary repairs and because I believed he was stealing electricity from my meter and that is why my bill was so high every month leaving me with a balance of {$1400.00} and a negative report on my credit.
10/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34677	Web
IC Systems claimed to have ownership of a debt collection from XXXX. When I expressed concerns to them about this, they refused to provide proof. I had just paid off my debt to XXXX via XXXX XXXX ( who provided proper verification ) and XXXX themselves confirmed XXXX was the proper collection agency in charge of collecting the debt. When IC Systems was again contacted in regards to validity of account, they implied I was paying money to a fraudulent company ( referencing XXXX ) and needed to still pay them the full amount of {$1800.00}. I have since received a letter of fulfillment from XXXX XXXX and have again confirmed with XXXX that this debt has been settled properly and in full. I would like IC Systems to remove this debt as I have asked multiple times and this is negatively affecting my credit.
12/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30024	Web
I.C. System INC., attempted to collect a debt of {$360.00} by contacting me at an incorrect address on XX/XX/2019 ; an address never used by me. The mail was forwarded to me and I responded two times demanding that I.C. System INC., verify their alleged debt. I.C. System INC., ignored my Notices and placed their unverified fraudulent account with the bureaus for collection. A Notice of Intent to Sue is currently on the way to I.C. System INC., for their repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq I.C. System INC have failed to provide me with a signed letter under penalty of perjury of the authorized representative of I.C. System INC. I.C. System INC also placed their account with the bureaus for collection before the legal response time of 30 days.
10/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 316XX	Web
On XXXX XXXX, XXXX, I sent IC System Collections a certified letter requesting validation of a debt they say I owe. The said letter was received on the XXXX day of XXXX. In that letter I asked that they validate the debt within 30 days ; However, I never got a response from IC System. As stated in such letter, I requested any debt that could not be validated, be removed from all three bureau 's in which it is being reported. There are XXXX accounts with this company that is being reported negatively with the bureaus. Having this report negatively and not being validated per my request, within the timeframe, is a direct violation of my FCRA RIGHTS. Because of IC Systems failure to validate a debt in a timely manner, I am asking that the accounts be deleted from all reporting agencies. Thanks kindly
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00926	Web	Older American
The IC System Inc. company reported a collection account in the Credit Report. This one comes from XXXX. The account number shown is XXXX. They allege that this server has an account with them in Nevada that was left unpaid. Currently this is affecting my credit ; and on several occasions I have asked IC Systems to send me evidence of this account. Which they haven't done. Or that they prove to that I am the person who owns the account. These allege that I apply for the same in Nevada. I have never lived in Nevada, much less applied for an account with Spectrum. I have been living in XXXX XXXX since I was born. I will be very grateful for anything you can help me with. My email address is : XXXX, my name ; is XXXX XXXX XXXX. I will be at your disposal for any question or doubt in this regard.
05/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
XXXX XXXX which is a major cable company has reported that I owe them a debt of {$340.00} which I have no knowledge of never never had any cable with this company, XXXX XXXX appeared on my credit report 2 yrs ago as I owe them this same {$340.00} I DISPUTE and it was removed now XXXX XXXX sold this account to ICS SYSTEM INC which this company now reporting on the behalf of XXXX XXXX for the same of {$340.00} I contacted this collections about this and they stated that XXXX said that I had XXXX and I was unable to pay this. Well once I looked on my XXXX credit reported ICS SYSTEM stated in comments that I had XXXX XXXXXXXX when i contaced them they acted like they had no knowledge of this, this statement this BLASPHEMY and I'm reporting they have brought my credit score down 60 pts because of this
05/01/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84123	Web
I was contacted by this company in XXXX about a debt that I didn't realize was still outstanding. I asked them to send me a statement which they did. I had made two monthly payments, one of {$20.00} and one of {$25.00} to them.The total bill at this point is {$100.00}. I forgot to send the payment in XXXX so on XX/XX/XXXX at XXXX we received a call about the payment. My husband let them know that I would be sending a payment online.I told them I would be making another {$20.00} payment and my husband was told they would not accept any payment under $ XXXX.The customer service rep continually hounded my husband to set up automatic payments. When he told them that we weren't interested in doing that customer service rep said that they would be reporting to credit bureau and it would affect our credit.
06/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33805	Web
In XXXX 2017 , I C Systems be gan reporting a XXXX debt of {$370.00} to my credit. As seeing it on my report was the first I 'd ever heard of the debt, I attempted to dispute it. But to no avail. I have not received a response from I C Systems, or documentation that the collection is, in fact, mine. XXXX Having never received a collection notice, I was not given the chance to dispute the debt before it was reported to my credit. And from what I see on the reports, they did n't even wait the 30 day period before reporting it, since they got it in XXXX and were reporting it by XXXX . Which makes me believe a letter was never sent, they just reported without even trying. Is that even allowed? Are n't consumers supposed to have a chance to dispute or pay a debt before it ruins their credit?
04/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MT 596XX	Web
I believe that this account has been re-aged. I have a delinquency on my credit report from XX/XX/XXXX stating that it is from XXXX for XXXX dollars. I did not live in the US from late XXXX until mid-XXXX and did not have XXXX during this time. I did have some sort of XXXX XXXX in early XXXX. I experienced a XXXX XXXXXXXX situation and the bill may have gotten lost in the mix. I am not sure. I was just trying to survive at the time, to be honest. I can not even tell you if it was XXXX or not. Anyway, considering that it was from early XXXX, it has passed the 7-year mark and should not be on my credit anyway. If IC System did purchase a valid debt back in XXXX when I did not even live in the country, they re-aged it to the time when it was purchased and not the time when it was actually delinquent.
12/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60605	Web
At the end of XX/XX/2022 ( letter was postmarked XX/XX/XXXX ) we received a letter from I.C. System, Inc. claiming they were collecting a debt of {$62.00} owed to XXXX ( XXXX ). We sent them a letter in the following week and then 2 weeks after that another letter by USPS Certified mail that we were never customers of XXXX and thus could not owe them any money. We asked them for proof that we were the ones that owed money. On XX/XX/2022 we received a response by mail from I.C. System, Inc. that they claimed was proof. It was a bill from XXXX with my same first and last name ( no middle name present ) and an address in XXXX. However, we have never lived in that state or have friends or family in that state. It is not me. At this point we decided to file a complain with CFPB on XX/XX/2022 XXXX
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23434	Web
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX along with ( I.C SYSTEM, INC ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
02/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78641	Web
I was never made aware of this debt until it was in collections. I feel this company and/or the company the debt was allegedly owed to are using unfair practices for collecting a debt. This has harmed me by affecting my credit score and I was unable to avoid the negative impact to my credit as I was never notified of owing any debt and then I had this appear on my credit report. If I owed a debt it would have been paid, but I couldn't have taken care of something I was not aware of. I did have a medical procedure a few years back but I took care of all of the bills related to that, so I do not understand why this account appears on my credit report. I believe I am being charged for someone else 's debt. Please do not contact me by phone, I would like communication in writing only for my records.
06/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 38106	Web
I reached out to IC System Inc. to dispute the debt issued by XXXX and they suggested that they could settle the debt and negotiated two prices one for approximately {$300.00} and another for approximately {$180.00} which where I declined both. I did provide in writing to the agency that I could return the modem box to XXXX in place of the debt being owed before the collection date of XXXX IC System did not attempt to reach out to me to confirm if the request was accepted or denied in order to stop the debt. Instead, they collected anyway. I also have reason to believe that they did not contact XXXX to negotiate terms of settlement. They assured me that they disputed the debt in their system but XXXX has to agree to the dispute. Communication with both the agency and XXXX has not been resolved.
08/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77057	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
09/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75092	Web
In XXXX of XXXX, I received a letter in the mail notifying me I had a debt. I called the collection agency and set up a payment arrangement for my XXXX account. I advised my representative that I do n't need this going to my credit report but I do n't have the money to pay the full amount so I set up XXXX dollars a month. I checked my credit yesterday the XXXX of XXXX and it was reported for the amount of XXXX XXXX.I called the company and asked what happened and she said my payment arrangement ended and that they reported it. I was n't aware the balance went up and nobody tried to contact me to make me aware that the payment arrangement had ended. This is completely unfair and unprofessional. Me as a consumer, called and set up an arrangement to resolve my debt. They did not handle this right.
05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23321	Web	Servicemember
I have received several calls from IC Systems regarding a balance they claim I owe to XXXX. I have repeatedly told their office and prior collection companies that the internet service was cancelled/paid in full when I moved. I have requested validation MULTIPLE times by phone and in writing over the last 6 months. They have ignored my request and continued to report this to the credit bureau. This has caused a lot of frustration as it made my credit score drop by XXXX points and has disqualified me from being approved for a loan. This company has violated my consumer rights by failing to adhere to the FDCPA and FCRA regulations. My next step is to file a lawsuit and attorney general complaint against this company. They need to remove this erroneous tradeline from my credit report immediately.
01/16/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80910	Web
I have made numerous attempts to fix this issue with XXXX with no effort from their end to fix the discrepancy from their end. It took a month for the company to finally cancel our services after numerous attempts from our end to cancel along with a series of misrepresentation from their representatives. They also billed us double without a justifiable reason. I refuse to pay {$730.00} when we really should only owe {$250.00} according to my calculations. XXXX also felt the need to threaten to levy our bank accounts without having even obtained judgement. Another violation on top of that, they continued to harass me for this inaccurate bill after I sent a request for them to cease and desist communication. To my understanding this is a violation of the FDCPA and should be taken very seriously.
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77089	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ICSYSTEMS would verify the debt. So I took it upon myself to ask ICSYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX ) XXXXXXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 443XX	Web
( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$1700.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$1700.00} ( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$550.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
01/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11803	Web
I ran my annual credit report via XXXX and noticed a collection account on my report. It shows the account was opened with a debt collection company " I C System INC '' on XX/XX/2022, and the balance is {$100.00}. I already called XXXX to report this issue and notified XXXX there was some incorrect personal information on my report as well, including names, addresses, employer 's information, and social security number variation. Besides that, I already called I C System INC to find out if they have any related records, but they couldn't find anything unless I can get provide them with the full account number or reference number. I noticed the original creditor of the debt was XXXX XXXX, but I never open any account under this company. For now, this is all I have done related to my fraud.
10/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38116	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
09/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78114	Web
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IC Systems , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IC Systems , Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
12/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 94590	Web
For nearly 2 years, one collection agency after another, harassed me by phone at irregular times with questionable business/collection practices. When I wrote back disputing the facts and offering to pay what was ( less than ) the fair amount owed, the agencies transferred collections repeatedly and continued to place inaccurate record on my credit. they repeatedly did not answer to my fair, final settlement to pay and settle and totally stopped communications this year. IC systems have been less than fair when it comes to my end of the negotiation and writing to settle. copies of my effort to communicate, offer to settle for fair actual amounts owed were in vain, and are available for review, if needed. please help me get this monkey off my back and restore my credit. thank you.
12/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20832	Web
XXXX offers guaranteed services for both treatment of lawns and shrubs as is shown on their web page ( Is my XXXX XXXX and XXXX service guaranteed? Yes. Customers benefit from our XXXX XXXX, which means we will gladly re-visit your property between scheduled visits at no additional cost to make necessary adjustments to deliver quality results for your trees and shrubs. ). On XX/XX/2023, I requested a callback service according to the XXXX XXXX for XXXX of my shrubs, XXXX billed me. After I canceled my service on XX/XX/2023, XXXX still treated my shrubs and billed me. They have now employed a collection agency to collect the amounts that I do not owe them. In the meantime, the shrub is blighted as XXXX admitted since XX/XX/2023, and up to XX/XX/2023. In short, I do not owe XXXX {$160.00}.
12/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19104	Web
IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account. This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.
08/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30134	Web
On XX/XX/XXXX a collection was placed on my account from IC SYSTEMS. When I called I found out it was for a XXXX account I had back in 2018. Due to the pandemic I couldnt get XXXX on the line, they wanted me to use a self service option. So I called the collection agency back and told them I needed this collection of of my credit and I agreed to pay it for now and dispute it with XXXX later! I finally got a rep on the line with XXXX and she stated the chargers were from unreturned equipment. She found where the equipment was returned! The collection agency stated they will remove it in 30-45 days it should have never been on my credit. They never once even attempted to collect the debt prior to placing this on my credit. Last I spoke about this account I was advised I didnt owe anything!
05/01/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02780	Web
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING
03/07/2019	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 Their investigation did not fix an error on your report	TX 77489	Web
On XX/XX/2019 I submitted a request to XXXX for them to update and investigate inaccurate information from IC Systems that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that XXXX is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter
05/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30228	Web	Servicemember
My account with XXXX XXXX was closed XX/XX/XXXX and I had clerk to verify both units was empty. Now I have a collection stating I open in XX/XX/XXXX and past due as of XX/XX/XXXX of XXXX. I have talked to them several times telling them my account was closed with the clerk in XX/XX/XXXX. I was told clerk did not close the account out correctly. I moved out before another due date and clerk stated she terminated contract and I didnt need do anything else and I didn't owe any more money. Now they want me to pay for something I didn't have and didn't use. Very unprofessional and should train employees correctly to handle such transactions to keep patrons from going through distress to prove their truthfulness when the employee did not follow through the termination accurately on their end.
07/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46203	Web
This company opened account XXXX on my credit file on XX/XX/2022 that is reporting to my XXXX and XXXX reports. I noticed this report in XXXX so I sent them a debt validation letter pursuant to the Fair Debt collection Practices Act, 15 USC 1629g Sec. 809 ( b ) on XX/XX/2022 via certified mail with a return slip as well as another request on XX/XX/2022 with a return slip. This has been well past 30 days and this company has yet to present me with the competent evidence of the signed contract between me and the original creditor where I AGREED for account XXXX to be collected by their office validating that I have any LEGAL obligation to pay them. This debt is not mine and this company is committing fraud as well as defamation of character causing me unable to get approved for a vehicle!
04/18/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70056	Web	Servicemember
- Collection agency I.C System, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX, Phone XXXX sent a letter regarding a debt I did not owe. - I immediately sent I.C System, Inc a US Postal Certified letter stating I did not owe the debt and to only contact me by Certified mail, their claim is being disputed and to NOT report me to any agency until this is resolved. - I received 1 letter from I.C. System to which I immediately responded and received no other correspondence. ILLIGAL Practices : - I.C. System reported me to the credit bureaus for 3 consecutive months. The original letter to which I responded ( I have copies of the Certified Receipt ). Plus 2 consecutive months past the original letter. - I.C. Systems misrepresented the information to the bureaus on dates of last payment. Thank you
01/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60505	Web
I.c. system has a collection on my credit report for an account with XXXX I have never had. Through a BBB complaint I requested debt verification and they sent me an identity theft packet. No debt verification. I have been in contact with XXXX who has no idea what I 'm talking about. Today I received another letter from them regarding and XXXX XXXX XXXX Account I also never had I called XXXX XXXX XXXX and I 'm not in there system as well. I want this company to leave Me alone also they placed information on my credit report for XXXX and I never received anything stating they were going to do that which is in violation of the law. I 'm not doing anything with these ghost accounts until it is proven they are mine in which they are not until it can be proven otherwise which it will not be.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
This company is fraudulently reporting an account that was already handled and deemed inaccurate last year. I fought with XXXX XXXX over this account and the entire exchange was and is still documented through the CFPB website. Apparently this is some low level, third party debt collector who now thinks they can re-report this to my account and attempt to ruin my financial reputation. This is extremely damaging to me and I will not hesitate to immediately take this to litigation if they do not remove it. I demand this company provide the original, wet ink signed document between the consumer and the alleged original creditor, along with all the other requirements to validate and verify this alleged debt, pursuant to 15 USC 1692g or cease and desist all reporting and collection efforts.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72116	Web
I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by I C System whom has violated section 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 ) I C Systems has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.
08/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20010	Web
From roughly XX/XX/XXXX through XX/XX/XXXXI had internet service with XXXX XXXX in XXXX, MA. Before installation, I was offered a promotion - I could pay up front for the cost of the equipment in order to avoid monthly rental fees and in exchange I would be eligible for a rebate for the cost a certain number of days later ( I believe it was 60-90 days ). I accepted the promotion, paid upfront, and later received said rebate ( see attachment ). During the entire year of service, all bills were paid on time. In XX/XX/XXXX, when I called to cancel service they charged me for my final bill, I paid the bill in full, and closed my account. Now, more than a year later, I am being contacted by a debt collection agency for equipment fees that I do not owe and debt that I am not responsible for.
10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77477	Web
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.
10/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 11434	Web	Servicemember
The debt collection company known as IC Systems purchased the debt of {$310.00} dollars from XXXX XXXX XXXX and did not send notices and correspondence regarding the debt. Instead, they reported the debt to the credit reporting agencies. I found out about the debt through XXXX XXXX. This is a clear violation of the Fair Debt Collection Practices Act. The debt collection company did not verify that the debt was mine. I never received any notices about this debt, and I do NOT owe this debt. Once I learned of the debt, I contacted the company to dispute it and the company refused to dispute it and remove the collection from the credit reporting agencies. Instead, they sent a letter threatening to report the debt to the national credit reporting agency. I am NOT paying what I do not owe.
07/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90029	Web	Older American
In XX/XX/2017, I had cancelled the service with XXXX and tried to port three numbers to the new cell phone company. Two of the three numbers were able to port, but my major cell phone number XXXX was unable port. I believed the XXXX played the dirty game. Finally I had to get a new cell phone number instead. After three months, the XXXX send me the bill for {$75.00}. I denied and disputed for that bill. One of the phone number, my wife opened for her XXXX. But never been used for so long, because of her XXXX was no longer in working condition. I called the XXXX asking for the proof of data using. No one ever response, but the XXXX send it to the collection agency. This is the latest collection company : IC System XXXX Reference # XXXX Account # XXXX Balance due : {$100.00}
11/16/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 721XX	Web
I did not open an ATT U-Verse account on this date, in my name or anything of the matter. This is hurting my credit by them saying that I owe them {$1600.00}. The company is some company that AT & T must have hired. ( ^ IC SYSTEMS COLLECTIONS XXXX Address po box XXXX XXXX XXXX , MN XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Balance {$1600.00} High Balance {$1600.00} Past Due {$1600.00} Date Closed XX/XX/XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX They are adversely hurting my credit & I did not open this account!! Please help me. Thank you so much for your time & due diligence.
10/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
XXXX Other debt Attempts to collect debt not owed XXXX XX/XX/XXXX XXXX Sent to Regulator FTC XXXX XXXX debt Attempts to collect debt not owed XXXX XX/XX/XXXX Closed Feed back provided XXXX Other debt Attempts to collect debt not owed XXXX, XXXX XX/XX/XXXX Closed Feedback provided XXXX XXXX reporting Problem with a credit reporting company 's investigation into an existing problem IC System XX/XX/XXXX This problem has been going on and needs to STOP! XXXX continues to send me to different collection companies regardless of previous outcomes. This is ruining my credit falsely and I'm not going to continue to submit what I've already submitted and disputed with each of the listed collection agencies. this is the second time IC Systems in XX/XX/XXXX. Please help me stop these tactics.
10/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43204	Web
I.C. System INC is reporting negative information to the credit bureaus regarding a Utility Account that does not belong to me. I have not received written communication regarding the debt. I have not received telephone communication regarding the debt. I just happened to check my credit reports and noticed the derogatory information being reported. I have not had an AEP, or any Utility account for that matter, in my name in over 7 years. They are reporting a debt in the amount of {$120.00} from XX/XX/2021. This account is being reported in error and has seriously damaged my credit scores and report ratings. The negligence of I.C System INC is unacceptable and they must take full responsibility for their mistake and delete the account from all credit reporting agencies immediately.
11/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 483XX	Web	Older American
On or about XX/XX/23 I received a letter from I.C. Systems, XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( a debt collector ), that I owed {$850.00} for monies owed to XXXX XXXX. First of all, I have never used XXXX XXXX as I just use XXXX XXXX and streaming services. I wrote a letter back to I.C. Systems explaining that I have never used XXXX XXXX and to have the debt removed from my credit history. On XX/XX/XXXX, I received a letter from I.C. Systems stating that the account was validated and I still owe the money. They attached a " letter '' supposedly from XXXX stating that the charges were valid. They did not provide any information to substantiate these charges or explain why they consider them valid. These charges are not valid and need to be expunged from your credit history.
11/29/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 381XX	Web
XX/XX/XXXX Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reporting. I C System has flagged your account as Collections on XX/XX/XXXX. XX/XX/XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested. I filed a complaint with CFPB XX/XX/XXXX case XXXX CLOSED but have not receive any proof of debt or signed document by me that validates the debt and its been over 90days. Laws in 15 USC 1692 have been violated by the company 's actions and I demand all Remove all negative reports to all bureaus immediately! I will be looking to file suit and complaints with XXXX because my rights and livelihood has been affected by their actions
08/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37013	Web	Servicemember
I switched phones carriers from XXXX to XXXX. XXXX required that I return the two cell phones that were on my contract. I took the phones to the sprint store and handed them over to an employee there. More than XXXX months later, I received a bill from XXXX for the two phones. XXXX claimed I never returned the merchandise. Because so much time had passed, I no longer had the receipts and the store which I returned the equipment to had closed down. I know of two other people who had similar issues with equipment returned to that particular store. It appears the XXXX employees there were taking returned cell phones and never reporting them to XXXX. I believe that this is the reason that particular store closed down. I have spoken to XXXX several times and can not resolve this debt.
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85143	Web
XXXX re : IC System Inc. I contacted XXXX on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that IC System is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from XXXX along with copies of the communication received from IC System Inc. verifying the CORRECT dates. I previously called IC System Inc. and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.
09/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 490XX	Web
IC Systems reported a {$390.00} collection on my report. I contacted IC Systems and informed them the name was a mismatch and I had never been to the dental office. They requested I contact the dental office. The billing department of XXXX XXXX XXXX confirmed the debt wasn't mine and called IC Systems to make the correction. IC Sytems informed their client that I would need to dispute the accounts with each credit company. I then called IC Systems in attempt to have this corrected and was told the same steps I would need to take to resolve this. IC Systems has ample information to prove they made a mistake. I should not have to spend time disputing accounts with each credit company because they made a mistake. They have the ability to correct this themselves but refuse to do so.
08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 560XX	Web
These accounts and inquiries are not mine they were made without my permission, consent, inquires. I C System : Opened : XX/XX/XXXX. Reported : XX/XX/XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
01/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
Looked at my credit report XXXX a collection for {$1300.00} from I C system the debt trying to collect is not me I had XXXX / XXXX XXXX in XXXX moved to mobile in XXXX no social security number is required when opening the account therefore someone with same name had the account an it was tracked to me since I had service with the XXXX plus years ago I've requested a contract or something with my signature to verify the information & nothing was presented to me I C system never contacted me or sent a letter to me to for me to ask them for verification of the debt. Ok don't need to see a typed copy with just my name on it saying it's my debt I requesting a contract with my signature in pen ink saying I signed for the service if not please asking to remove the debt from my report
01/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98036	Web
I disconnected my XXXX internet service on XX/XX/19. I returned my modem immediately using the prepaid label and box XX/XX/XXXX provided. XX/XX/XXXXtried to charge me for said modem and I provided photographic evidence I returned the modem and the tracking number. They have sent me to XXXX separate collections agencies. I have disputed the debt with both XXXX and the collection agencies and requested written evidence to validate the debt. Nothing has been provided. The latest collections agency I C SYSTEM INC did not bother to validate the debt and reported the collection to all three credit reporting bureaus. On the phone they admit the have no evidence to validate the debt and hound at me for how I would like to pay the debt. Their illegal reporting has lowered my XXXX XXXX.
11/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21225	Web
On XX/XX/XXXX I saw I had an account on my credit report that I was unsure of for XXXX XXXX in West Virginia. I never lived in West Virginia as an adult so I contacted them. They told me the service for utilities was provided to XXXX XXXX XXXX, XXXX, West Virginia from XXXX of XXXX through approx. XXXX of XXXX. On XX/XX/XXXX, I provided pay stubs and W-2 for that time period that showed my address in XXXX. They refused to take the debt out of my name and asked for payment. I contacted the collection agency IC Systems at XXXX and spoke with XXXX, on XX/XX/XXXX, who told me in order to classify this debt as fraud I needed a police report from my state. I contacted Northern District in XXXX XXXX XXXX, Maryland and they directed my to this website to file my report, on XX/XX/XXXX.
06/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07104	Web
On XX/XX/2021, I received a notification from one of the 3 major credit bureaus that a collections company known as IC Systems INC has reported a negative tradeline for the amount of {$590.00} owed to original creditor : XXXX XXXX XXXX. After researching the original creditor, I see that its a company for a pet membership. I DO NOT HAVE OR OWN ANY PETS!! The collections agency, IC Systems INC has not even tried to contact me via letter to inform me of this alleged debt. IC systems INC did not go through the appropriate procedure regarding verifying the accuracy of this debt. Why would such a debt even exist because I do not own and have never owned a pet. I am beyond confused and shocked and need this negative trade line deleted from all credit bureaus to which they report to.
09/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 751XX	Web
XXXX has again tried to pull an illegal move again by throwing a very old debt on my credit report. Whats Illegal about it well lets take a look 1. In Texas we have a Statue Limitation Law of 4 years on Debts, which means apparently when this debt was created back in XX/XX/XXXX-XX/XX/XXXX its should be illegel for these people to call my phone or try to collect on a debt that is past the Debt Laws in Texas. 2. I have talked to XXXX and the time they claimed I had service with them, I have told them I did not I had service with XXXX XXXX at the time apparently after my request not to years ago they left my service on with me not even having any of their equipment in my home. Now I will be sending an email to the CEO of XXXX/XXXX contesting this debt that I feel is not owed.
04/21/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 913XX	Web	Servicemember
XXXX system attacked my credit with no warning in early XXXX. They never sent debt verification and when I disputed then they flagged my account for more money. These flags damaged my credit so bad I am still trying to recover. Due to this company not having debt validation they were removed from my credit reports. They then waited and in XXXX they sent my information to another company XXXX XXXXXXXX XXXX which practices the same abusive tactics, no information two 5 year old accounts with no debt validation. I am trying to secure my sensitive information because of this company so This is a California consumer privacy Act request, opt out ( do not sell my personal information ), Right to Know, Right to delete. IC system will have 30 days to comply with no extra days allowed.
01/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95765	Web
" I.c. System, Inc. '' has attempted to collect a debt in the amount of {$520.00}. I do not owe the debt. I never received notification that attempts to collect a debt were going to be made. I discovered the attempt on my credit report. I reached out to the company within 30 days requesting verification of the debt. I informed the company that if they did not immediately cease collection attempts before providing written verification they would be in violation of the Fair Debt Collection Practices Act. The company did not comply with providing verification, and has made 2 additional attempts to collect on the invalid debt. The company is in violation of the Fair Debt Collection Practices Act due to continuing attempts to collect without providing written validation.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75104	Web	Servicemember
in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
09/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 773XX	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
03/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29708	Web	Servicemember
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
09/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37363	Web
I C System INC has reported to the credit bureaus a debt that does not belong to me. I called I C Systems and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. XXXX and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of XXXX.
10/08/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 90813	Web
Cfpb, This is my dilemma... XXXX XXXX sent my account to debt collector IC systems without sending mailing me any correspondence.. I opened my account with XXXX on XX/XX/XXXXXXXX XXXX XXXX and I closed it in XXXXXXXX XXXX XXXX due to functionality issues with my purchased device on their network. Upon closing my account, I specifically asked their customer service team if I can continue to make payments on XXXX even though my account is closed. The customer service team responded with a yes and I continued to do so. On XX/XX/ I received an update from XXXX XXXX that my XXXX account has been sold to IC systems and my credit score dropped by XXXX points. Below I've attached pdf directly from XXXXXXXX XXXX site proving that I never stopped paying on the debt of my device ....
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33319	Web
I have never had a credit card or any other credit account ever and no such account has ever existed in my name XXXX has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.
01/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 719XX	Web	Servicemember
We canceled our phone plan in XX/XX/2021, after moving to an area where we were " guaranteed '' service and finding out our brand new hotspot and cell phone service was useless. It is evident from the bills that we had not used any data ( because we had canceled and therefore believed our account was closed ) and have all the tracking numbers to the devices that were sent back, after waiting months to receive the shipping kits to return the XXXX devices. Now neither XXXX nor IC Systems have sent us anything to notify us of the debt nor of the impending report to the credit bureaus. We only found out about the collection when it hit my credit report, and although XXXX confirms they have received the devices, IC Systems refuses to concede that the debt is faulty and not mine.
09/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 553XX	Web
I.C. Systems was hired by XXXX to collect a debt that doesnt exist. I sold my XXXX home and moved in XX/XX/21 and had disconnected services, paid my bill in full and returned all equipment that I had been using at XXXX XXXX XXXX. I am extremely upset that this collection is on my report and the company is refusing to take accountability and remove it, as it is false. I do not owe any money to XXXX, I have paid What was owed and returned the equipment. This collection crushed my credit by 100 points and caused me to be denied for a mortgage. Not too mention, Ive had issues in the distant past with this collection company. Theyre dishonest and shady, bullying people into making payments that arent owed. I want this removed from my credit report and repaired immediately.
07/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92126	Web
On XX/XX/2021 I.C.SYSTEM inc. sent a collection notice my address attempting to collect a debt. Balance due {$2100.00} in the positive not negative items I think they are cutting me a check. They called my phone number multiple times mostly at an inconvenience to me. I sent the first letter dated XXXX Then they violated multiple laws and U.S. Codes which I put them on notice about. I sent them an affidavit of Truth, cease and Desist letter, Exhibits of the violations they infringed, and an invoice for the violations they broke under 15 usc 1692 which are all federally protected. This packet of letter was sent certified mail and received XX/XX/2021. They have 30 days from XXXX to reply to my demands by law, if they don't on the XXXX day I will file suit upon I.C. SYSTEM INC.
06/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
This company reported through two different credit bureau 's on XX/XX/2020 that I owed {$190.00}. I.C. SYSTEM, INC ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX I called them on XX/XX/XXXX to try and figure out who I owed as they are a collection agency. I took several calls to try and understand if it was my debt and finally figured out it was and I paid off the debt over the phone via check. XX/XX/2020 ORIG CO NAME : I.C. SYSTEM ORIG ID : XXXX XXXX DATE:XXXX20 CO ENTRY DESCR : XXXX XXXX XXXX : TEL TRACE # XXXX XXXX XXXX ID:XXXX XXXX NAME : XXXX ACH debit {$190.00} This collection agency went back and put another report on XX/XX/2020 XXXX and XXXX XXXX that it is still not paid. I called them and they said that I needed to dispute the charges with the credit bureaus.
01/03/2022	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 Was not notified of investigation status or results	GA 30309	Web
I have been dealing with an ongoing stubborn account, I.C. SYSTEM INC. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.
06/01/2020	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	IL 616XX	Web
There is a collection account showing up on my credit report ( s ) that I believe to be invalid. This issue was addressed with this company over a year ago. I previously disputed this bill, which was originally with XXXX. I requested billing statements to document where all the charges were coming from as all of the bills they sent me made reference to other alleged accounts, and I was never able to see where the original amount was coming from. Now, over a year later, this collection account is showing up on my credit again. I thought the issue was resolved when they couldn't produce all the original bills. I never received anything recently to give them cause to put this on my credit report again. This account needs to be removed immediately from all the credit bureaus.
02/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30168	Web
I have received an alert that IC Sytems has place two collection accounts on my credit reports. I dispute this debt and request debt validation and copies of all physical and electronic files sent to this company concerning this debt. This includes copies of contracts for service, Identification used to open account, billing and accounting for all amounts that claim to be due- There are two accounts one in the amount for {$190.00} and {$390.00} company XXXX XXXX . Please accept this letter as notice and I would like copies of these documents within 30 business days according to the FCRA and FDPCA laws. I called today at XXXX and was transferred twice they had no information and could not pull up my account. Please do not contact me by phone only mailing correspondence.
07/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PR 00703	Web
On XXXX XXXX, 2014 I opened a case against XXXX XXXX and XXXX XXXX because they opened a collection which was closed as Identity Theft on XXXX XXXX, 2014. In that time, I explained to them that I have not ever live in NY, so it is not reasonable that I ask for a service in a place that I do not live and I do not planning to live. I work here in XXXX XXXX, I studied here, and I have been raised and live all my live here in XXXX. Also, I have an excellent credit ( which is affected by this again ). I do not have that kind of behavior about not paying my debts. Those cases were XXXX, and XXXX, which you have in your system. Both of them closed as Identity Theft. So why XXXX XXXX are trying to open this again after a year? It is not fair and they are damaging my credit.
03/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30236	Web	Servicemember
I am applying to buy a house, when I checked my credit report I noticed that there was a recently placed collection agency debt from 2013. I called XXXX XXXX XXXX because that is where the debt is from and they told me to call the collection agency because they did not have my account number on file. When I called the collection agency about this debt they asked the usually questions and I found out that they had the wrong name on the account. When I asked if it could be removed I was told to contact the credit bureau because they are the ones that made the mistake. I told them that the bureau only reports the information that is given to them and that the company supplied the wrong name. They refuse to admit to the mistake and contact the bureau regarding this matter.
02/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22630	Web
I have asked for the company to send me something showing the services, as well as to verify the debt. Nothing has been received or validating debt. I called them today to get a date of service, I had successfully disputed this to 2 out of the 3 agencies and it was removed. The lady try to tell me in VA the creditor doesnt have to provide it so it stays valid on my credit report. She also tried to tell me its on my other reports ( as mentioned it was disputed and removed years ago ). On my credit report with XXXX it shows a date of XX/XX/XXXX the lady claims the date of service was XX/XX/XXXX, so dates arent lining up and who even knows if this is valid ( which it isnt ) they cant even provide any information to prove the account is valid! Its a federal law not by state!
11/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 15101	Web
I had contacted the debt collection company to find out why there was a collection against me as the product was paid for at the time of service. They were less than helpful and said that they would not accept proof of payment in the form of bank statements but would be happy to discuss a repayment plan. How else other than a bank statement am I supposed to prove that I paid for something? They then told me to contact the original company and send them the bank statements, and when I did it took them 2 weeks to get back to me. When I finally spoke to someone they had no idea what the debt collection agency was talking about and they couldn't accept the statements. I've been sent in circles with no resolution for something that I've already paid and is ruining my credit.
09/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77021	Web
I had an account with XXXX XXXX for XXXX XXXX. Long story short. I did not use them at my new address and they charged my account for an early cancellation fee in XXXX.In XXXX I went to their website and chatted with one of their reps. He waved the Cancellation fee and told me that it would be taken off my account. In XXXX I checked my credit report and it was on there anyway. So I tried to explain everything again to XXXX XXXX and got nowhere. I told them that I have the chat response of the customer service rep that said that the fee was waved and would not be on my account. Still I got nowhere with them.. XXXX XXXX is refusing to take it off. Which I don't understand. I was just rejected by them on XXXX XXXX. Even after they read what the customer service rep wrote.
09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19083	Web
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 389XX	Web
I.C. System, Inc has reported this account to XXXX as a derogatory action every week since XX/XX/XXXX. The other dates reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I.C. System, Inc is violating the Fair Credit Reporting Act ( FCRA ) of XXXX with unfair credit reporting practices in attempt to lower my credit score on a weekly basis in retaliation for a previous dispute regarding my credit report. I.C. System, Inc is well aware that continuously reporting the same debt on a weekly basis is unfair and retaliatory and could affect my credit score, thus affecting my credit worthiness. There is no reasonable reason for I.C. System, Inc to report this information every week, on the very same day of the week when there is no change in the amount of the listed debt.
01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85326	Web
I was notified by XXXX XXXX XXXX that I had an outstanding debt with XXXX XXXX in the amount of {$940.00}. I filed a complaint the the FTC and also notified XXXX on XX/XX/XXXX. The report # with experian XXXX. I am going to file another report today with the FTC. I have been informed that another collection agency is not after me again with the same dept. This agency is I.C. System, Inc. XXXX. I am in the process of sending a copy of my completed report with the FTC to all the credit bureaus. The XXXXXXXX XXXX account # XXXX and the service address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at this address and have been residing at the same address for the last 19 years. I was told the account was opened on XX/XX/XXXX and closed XXXX XXXX.
05/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11213	Web
On around XX/XX/XXXX I noticed this collection account from IC SYSTEMS INC on my creit report. I immediately questioned if this was my debt. I sent IC SYSTEMS INC a debt validation letter on XX/XX/XXXX this letter was received by IC SYSTEMS INC on XX/XX/XXXX @ XXXX XXXX CERTIFIED MAIL TRACKING # XXXX XXXX XXXX XXXX XXXX SIGNATURE WAS ALSO REQUIRED. Since the delivery of my debt validation letter to IC SYSTEMS INC, I HAVE NOT RECIEVED ANY VERIFICATION OF ANY SORT, showing that this debt belongs to me. THIS IS NOT MY DEBT!!! please investigate. Also, IC SYSTEMS HAS RED FLAGGED MY ACCOUNT XX/XX/XXXX 4 TIMES IN 1 MONTH ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 5 TIMES ALL TOGETHER. Please investigate as I am sure this has to be some type of violation on there behalf.
01/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44067	Web	Servicemember
On XXXX XXXX my house was burned down due to a fire. The firefighters had no control over the fire due to it being on fire for more than 20 minutes. The house was very small in the XXXX XXXX, NC near XXXX XXXX. I reported the disaster to the satellite company which was providing cable services at the time and sent in the fire report, XXXX XXXX report, and the MP report. I was told by the rep. that all was forgiving due to it being a natural/ unintended disaster. I have disputed this for the last 5 years because it is holding me back from buying a home, getting a car, or just applying from credit cards. Every time I dispute they refuse to remove it from my credit report. I.C. SYSTEM, INC has been charging {$280.00} for a situation that was handled in 2014. Please help!
04/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94513	Web
I filed a complaint with your institution against XXXX XXXX XXXX because they placed an account on my credit that did not belong to me and they never contacted me before placing the account on my credit. Once I contacted you and wrote them another notice to advise them they were in violation of the FCRA the account was removed account number XXXX XXXX XXXX XXXX XXXX XXXX I am due to go into labor any day now and another collection company called IC Systems has placed the same account on my credit for XXXX XXXX XXXX account number XXXX they also have not contacted me or verified the debt- they just placed it on my credit. Keep in mind it was just 45 days ago that the account from XXXX XXXX XXXX in this regard. I have also filed a complaint with the bbb and the ftc
10/24/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80138	Web
I.C. Systems has been spamming my phone with upwards of 5 calls a day for over a month. They call and ask for my personal information but refused to give me any confirmation about their company ( to confirm it wasn't a scam ) until after nearly a month of harassing phone calls. The 'debt ' in question was paid for on the spot to the original company I ordered a service from ( XXXX , which I do not recommend after this experience ) and has never been 'debt '. this has all persisted despite multiple attempt to prove to the collectors and XXXX that they received payment nearly 2 Years ago when the original event occurred.No evidence has been accepted and I was offered the opportunity for them to review my case if I paid the 'debt ' first, which makes absolutely no sense.
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48180	Web
In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. XXXX Account # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section A section 2 : It also states a consumer reporting agency can not furnish a instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.
11/26/2021	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	DE 19711	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting :
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29414	Web
On XX/XX/2020, I sent a third party debt validation letter to I.C. Systems, Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. Systems, Inc., has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.
03/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21060	Web
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
03/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX
11/07/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 146XX	Web
IC systems added a collection to my credit report in the amount of {$5800.00} with date opened date of XX/XX/2021. I monitor my credit report every month and have never seen this collection. I was never contacted at my phone number or address for this collection either. I'm in the process of closing on a home and I feel they did this on purpose to extort money from me. Literally, I'm days away from closing on my dream home and this random collection pops up out of nowhere delaying everything and running my dreams. I've contacted them directly and of course, they do not respond. How can the credit bureaus get away with this! Apparently, XXXX and XXXX just took their word for it too. They also added a remark " Affected by natural disaster '' what does that even mean?
08/16/2021	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 30349	Web
XXXX XXXX XXXX XXXX XXXX and I C SYSTEM are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : I C SYSTEM Account number : XXXX
07/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93955	Web	Servicemember
I had vet services through XXXX XXXX Hospital for my dog. I terminated services with the vet ( not having a balance ) in XX/XX/2012 once I received orders that would have me stationed outside of the US and not within the area of one of these vet clinics. I moved at the end of XX/XX/2012 and my dog was transferred to a military base vet. When I logged onto the XXXX account I had set up, I saw that two shots were administered to my dog on or around XX/XX/2012 and charges were applied to an account that had already been terminated. These charges were applied to an account I terminated prior to leaving the US. I was not notified of my pet receiving care at the clinic, I did not authorize my pet to receive care at this clinic, nor did I authorize charges be made to me.
11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60614	Web
XXXX XXXX agreed to install cable internet service at my residence. They came to the residence, put up wires, but the service was never functional. I informed them of this fact, they told me the only thing I could do was pay the outstanding bill for a month of service and then they could come out for a service call. They have since sent my account to debt collection. This does not seam fair as I never had working service from them, nor did I agree to pay them for service that they attempted to install before it was working. There is no written agreement between XXXX and myself so I am at a loss to explain why they are sending my account to collections or even how it is possible to send an account to collections based off of the non-contractual relationship we have.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85022	Web
I have filed a dispute against I C Systems with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$1300.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on XXXX online but was unsucessful. I contacted XXXX via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. XXXX failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98118	Web
I never opened a XXXX account or received or used their equipment. I never had a contract with them. XXXX XXXX ( formerly XXXX ) fabricated a {$120.00} debt for allegedly failing to return a router. XXXX then initiated the collections action below, without ever calling me or writing to notify of the debt. I owe them nothing and this must be illegal. Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$120.00} Original Creditor ASTOUND BROADBAND POWERED BY Past Due {$120.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
11/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10040	Web
i got phone from XXXX in XX/XX/XXXX, i lost that phone and then got a new one under my moms name. these people kept harassing me calling me and sending me mails to my home, it was under the name of another company and then they put that on my credit and my credit went down by a lot of point, i disputed this with XXXX and then took it out of my credit and it was no longer there, then on XX/XX/XXXX i see this again on my credit and my credit went down by 52 points!! this is unbelievable and its a bother company with a new name!! this was in XX/XX/XXXX and they keep harassing me!! im tired it took me a year to get my credit to XXXX points and these people keep playing with my credit. i spoke to XXXX and they said they dont know why these people keep doing this to me
11/11/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IN 46218	Web	Servicemember
I have contacted the company. XXXX and spoke to them. This is over equipment charges. I have cleared this off 2 of the 3 bureaus, but IC collections keeps putting it back on my report when I get it off. This debt didn't start in XX/XX/2020, that just when it was readded to my report. I do not owe XXXX and I do not owe IC Systems. I have no collections on any of my reports but this one. And I have disputed this many times and XXXX keeps allowing them to re add it to my report. Just disputed it and XXXX sided with IC Systems. I have had this removed many times off my report and XXXX keeps letting them re add it. I do not owe XXXX it has been cleared up long time ago and this collection company needs to leave me alone about it and stop messing my credit score up.
06/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web
AT T U Verse sold the account to another company and I hired XXXX XXXX XXXX to resolve the issue IN XXXX. Years ago, I spoke to ATT 's Corporate office and resolved the issue of {$140.00} and change. My God, {$140.00} and change. I have emails from the representative regarding the issues. I'm not sure why the account went to Collections. While working with XXXX XXXX XXXX, this account was resolved and closed, it should have been removed from my credit. As I explained to I C System, I never owed this money and it was resolved. I disputed this with XXXX and it was removed from my credit. Why is this foolishness still on my credit report and has been for months. I've disputed this with XXXX several times, and XXXX refuses to remove. Remove this and I do not owe it.
09/09/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 48092	Web
This is on my credit report and is hurting my reputation as and credit. 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. 15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I C SYSTEM Last reported XX/XX/2023 {$140.00} Open balance XXXX XXXX XXXX XXXX Original creditor
11/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30052	Web
IC Systems - Debt Collector For XXXX Hospital Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I had the right to demand that IC Systems 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. I demanded that if they did 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 ). What was sent back to me as " validation of the debt '' was a forged document. The " contract '' sent to me included forged initials and signature. This is illegal. I would like action taken and the debt removed from ALL 3 credit bureaus.
03/23/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32725	Web
I have disputed this debt through the credit reporting agency-XXXX. I paid this account in full, and I returned the necessary equipment in working condition. I moved from this location, and was unable to fulfill contract, because this carrier was not able to provide service at new address. The dispute did not provide any results. Thank you for your valued time. Kindest Regards, XXXX XXXX XXXX XXXX. I C SYSTEMS XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$590.00} DateUpdated : XX/XX/XXXX Original Amount : {$590.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection<
04/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30093	Web
I am making a dispute against IC syste m, Inc in a resp onse to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices A CT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the XXXX XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts ( XXXX , XXXX , and XXXX ). This a ction constitute fraud under both Federal and State Laws.
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75067	Web
On XX/XX/2020, I C System added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, I C System has violated my rights as a consumer and I am requesting legal action to remove this account immediately
08/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90710	Web	Servicemember
I.C. Systems, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX continues to place false and misleading information on my credit report. I have contacted both of these creditors notifying them that these are fraudlent accounts. XXXX has sent me a letter stating that they had removed the account from my record put this company I.C. continues to place it on my credit report. They have also lied about the date it was not opened on XX/XX/XXXX. I have letters from the DOJ they have arrested the people who used my Identity. I.C. Systems is using fraudulent means to obtain monies. Derogatory marks View all accounts COLLECTIONS I.c. System Inc. Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX I.c. System Inc. Opened XX/XX/XXXX + {$53.00} Original creditor : XXXX XXXX
10/31/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77584	Web
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. Also, I asked for you to stop contacting me through phone calIs, and I have still gotten constant calls. I request that the following account be promptly removed immediately off of my credit for IC Systems.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76051	Web
On XX/XX/XXXX IC Systems added a collection account on my credit file for {$120.00} without any type of notification which violated 15 U.S. Code 1692g of the Federal Trade commission. I filed bankruptcy in XXXX which this debt was discharged XXXX XXXX Case # XXXX Attorney is XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX As a condition of my employment, I can not have any derogatory information on my credit file after my discharged bankruptcy. This was an XXXX XXXX bill which I had no knowledge of still owing. I have contacted the company and was assured that the item would be removed by XX/XX/XXXX, this company has been known for not following FDCPA guidelines. I spoke with XXXX ID # XXXX. This has to be resolved immediately. Thank you, XXXX XXXX XXXX
05/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 61832	Web
I received a credit alert that a collection agency known as IC System stated I owed them a debt of {$610.00}. I was not aware I owed a debt to anyone. I contacted them immediately. The debt belonged to a power company I had n't used in several years. IC System said if I paid off the debt immediately it would be removed from my credit report and not further reported to the credit bureaus. They promised me this debt would be deleted. I paid it off immediately. IC System still reported it to the credit bureaus. I called IC System and they verified the debt was paid, but still they did not properly report this to the credit bureaus for removal. It has been several weeks since I paid this debt in full and the derogatory remark remains on all of my credit reports.
03/05/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 35802	Web
The company in question spoke to my dad about a debt that they purport to belong to me. They not just spoke to him but tried to get him to make a payment on the debt even after he told them to send me information on the debt to my address by mail. The agent still kept asking him how much he was able to pay on the debt. I also see that they are reporting the debt on my credit report with false an misleading information such as the date the debt was opened. They list the original creditor as XXXX and said that the account was opened on two different dates. On XXXX they have the date the account was XXXX. On XXXX its listed as opened on XX/XX/XXXX. the debt is not reporting on XXXX. XXXX has the date last active as XX/XX/XXXX, XXXX has it as XX/XX/XXXX -
04/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90706	Web
On XX/XX/XXXX I reached out to I C System INC. in regards to a collection they have placed on my credit report for a XXXX XXXX debt. That debt was settled with the previous collection agency ( XXXX XXXX ) whom owned that debt at the time.I spoke with XXXX XXXX w/ I C System INC. and explained that in XX/XX/XXXX that debt was settled and considered paid in full and was to be removed from my credit report in which it was and this needs to be removed from my credit report and closed. He stated that I needed to take this matter up with XXXX XXXX because if I settled with them it would not have been placed for collection now so I must have defaulted on my agreement. I explained I did not and this needs to be removed but he stated there was nothing he could do.
01/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
I have spoken to several representatives with XXXX XXXX over the past month. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXXe for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she 's not sure what the charges are for.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89081	Web
On XX/XX/, ( I C System ) attempted to fraudulently collect a debt of {$1500.00}. Not only did they attempt to collect, they caused damage of creditXXXX GoodName by reporting false signatures and information to XXXX XXXX XXXX XXXX and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
08/29/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	NY 10466	Web
On XX/XX/XXXX I sent out certified mail to this collection company claiming I owed {$170.00}. The letter asked for validation of debt and the required disclosures that should have been given to me. The situation regarding my ongoing dispute with XXXX and the lack of response from the collection company so far has been very stressful. Despite my consistent efforts and multiple letters sent, it seems that my concerns are being overlooked. I am aware of my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c, which allows me to dispute debts and request validation. I simply request proof of disclosures sent and validation of the debt. If unable to verify, I kindly request the removal of this information from my consumer report.
04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38133	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77389	Web
When I cancelled my service with att and finished laying everything off. They sent me an additional bill for {$2500.00}. I asked for itemization on the bill since I didnt know what it was for. They sent another bill and it just said I owed money but didnt explain what for. I went to the closest store and they couldnt help me. Said I needed to go online. So I did and they sent another bill that was supposed to be itemized so I could see what this mystery charge was for. The bill was again not itemized so I have no clue what the charge is for. I explained I am not going to pay a mystery bill with no explanation as to what it is for. Then they sent it to collections. While dealing with them I was told I could get an itemized bill. I never have received one.
09/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34639	Web
On XX/XX/2020 I paid XXXX XXXX the amount in collections of XXXX on account XXXX on my debit card on XX/XX/2020 the funds where released from my bank. XXXX XXXX send me a paid in full email and stated that they would contact IC System to remove me from collections. 2 months later IC Systems still have nor removed or updated there system that the balance is paid in full. I have call them and sent them the payment letter. On XX/XX/2020 I again called IC System and they tell me they will not remove it until XXXX lets them know I asked can you just call to verify I a as told no. I called XXXX who stated the bill is paid and IC System was made aware on XX/XX/2020 through there computer system. I spoke to XXXX XXXX at IC System and XXXX XXXX the supervisor
08/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DC 200XX	Web
I was notified by my credit monitoring that a Collection Item was on my account with a date of XX/XX/XXXX from IC Systems XXXX XXXX, MN attempting to collect a debt not owed from XXXX. IC Systems never sent a notice of debt collection. XXXX stated in a phone call on XX/XX/XXXX at XXXX Eastern Time with XXXX that the bill was a mistake, the equipment was returned on XX/XX/XXXX and to disregard the bill. I spoke with XXXX from XXXX on XX/XX/XXXX at XXXX Eastern Time, who confirmed there is be a XXXX balance on the account. I have not received a bill from XXXX since. IC Systems is required to send a notice of collection, which it did not. XXXX has already removed the collection from my account after dispute, XXXX is still reviewing the account.
05/29/2019	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AZ 85340	Web
On Wednesday XX/XX/2019 at approximately XXXX XXXX, XXXX XXXX of " IC System, '' called me to collect a debt ( {$50.00} from XXXX XXXX XXXX ). At that time, I informed him that I would pay XXXX directly because that way they will be able to restart my pet 's health insurance which I was unaware had lapsed. At that time, XXXX told me that " XXXX would prefer that I pay IC systems '' when I asked why that was, he stated that " XXXX may not have my file any longer. '' When pushed, he admitted that he was entirely unaware of whether XXXX had my file. Accordingly, XXXX was attempting to collect this debt by making misleading statements ( a statement as fact, that he had no factual premise for ). Moreover, he proceed to call me a " piddly little person. ''
01/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DC 20003	Web
'I C System ' is trying to collect a debt of {$300.00} on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX - Debt has been in the collection for almost XXXX years. I was unaware that the collection was in place ( no notification via mail, email, or phone ) and was actively ruining my credit. XX/XX/XXXX, I received a call from an investigator running a background check regarding this financial debt delinquency ( First notification about this debt ). I immediately called XXXX XXXX and XXXX and they confirmed that the account is paid in full and closed since XX/XX/XXXX. I called I C System multiple times trying to figure out what was going on and whether they had any documents proving their right to collect a debt. I C Sytems repeatedly hung up the phone on me.
09/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30318	Web
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
08/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 281XX	Web
I.C. System, Inc. has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). I.C. System, Inc. was not present for the initial correspondence between myself, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, therefor I.C. System, Inc. is in direct violation of my rights by contacting about this alleged debt. I.C. System, Inc. has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave I.C. System, Inc. consent to contact me about anything. I.C. System, Inc. furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).
09/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30318	Web
I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to XXXX
03/11/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 32301	Web
I asked for debt validation from I.C. system. The company flagged all three major credit bureaus before sending me any proper documents. The only validation letter I received was an address. My name is common and I have been in many mixed file cases with different social security numbers and identity theft. The alleged account is the result of identity theft/ fraudulent and I did not give anyone permission to open this alleged account in my name. I have a good payment history with all three major credit bureaus and this negative error is affecting my scores and reputation. I understand my rights as a consumer and I would like this problem to be resolved promptly. I am also receiving phone calls repeatedly after I told this company to stop harassing me.
03/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60645	Web
Back in 2014 I contacted XXXX XXXX XXXX to start a new service, when I received the bill the charges was ridiculous and I had a bill from XXXX XXXX that I did not sign up for. I was calling XXXX XXXX XXXX for its u-verse services. I was not happy with how things was going so I contacted the BBB to help ( BBB complaint Case # XXXX ). This issue was supposed to be resolved to my knowledge. I paid the outstanding balance and took my business to another more honest provider. Now 5 years later I have a collection notice on my credit report that has reduced my credit score significantly. This account was sent to collection for equipment that I returned and an early disconnect fee that I shouldnt have been charged for a service I was unaware I was receiving.
11/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 368XX	Web
Ive sent out certified letters to XXXX XXXX XXXX for a collection account thats reporting {$840.00} of false debt!! I have never received any info on this debt! They will not respond to my letters! maybe because their physical address theyre reporting is a non deliverable address and so I have sent letters to their P.O. Box and someone has picked them up but Im afraid that the P.O. Box is someone elses and now they have my SS number and full name as well address!! The post office screen said INVALID address for their physical address!! I wasnt aware of this on my credit until This XX/XX/XXXX! all this time this false collection company is reporting inaccurate information!! Ive asked for documentation with my signature but have yet to receive anything!!
09/22/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84088	Web	Servicemember
I have a medical debt that was being paid on a regular monthly basis with XXXX XXXX in XXXX XXXX XXXX Utah. The company was accepting my monthly payments on a medical debt from a XXXX and hospital stay and gave me no options to continue to pay monthly until the debt was paid in full. They instead transferred my account balance over to a collection company called IC Systems to collect the payments instead which is now reporting on my credit reports as a collection account. I find this to be incredibly unfair to be damaging my credit report when I have been more than willing to continue paying uninterrupted monthly payments. This has caused me a hardship because my other creditors can take adverse actions against me even though I have done nothing wrong.
05/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 387XX	Web
This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX XXXX, MN, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported on or about XX/XX/2021 in the amount of {$1700.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Minnesota.
10/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98043	Web
I had an account show up on my credit report at XXXX XXXX it stated it was a XXXX account opened in XX/XX/XXXX. The account they are referring to is an account from XX/XX/XXXX that was handled and resolved in my divorce. The equipment was returned to XXXX and my ex-spouse took care of the remaining. I have not lived in Georgia since XX/XX/XXXX and have never been contacted about this account since. Now all of a sudden it is showing up on my credit report as a recent account. I tried to contact XXXX and XXXX XXXX on XX/XX/XXXX and just get transferred from one department to another. XXXX states I have to speak to XXXX XXXX and XXXX XXXX states I can just write a letter. They are reporting this account incorrectly and refusing to hear anything about it.
09/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92253	Web
This debt collector IC systems representing XXXX XXXX XXXX is saying i owe {$840.00}, on my XXXX credit report. I do not nor did i ever have an account with them, this person XXXX XXXX XXXX name was on my credit report and she impersonating me and using my name. i have no debt with this company, and XXXX XXXX XXXXXXXX refuses to speak with me or XXXX to get this off my credit report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX The original creditor is XXXX XXXX XXXX. THis amount is not owed by me, i am a victim of fraud. The investigation by XXXX on XX/XX/2022 came back saying the disputed item is accurate and it is not. XXXX XXXX XXXXXXXX on XXXX XXXX placed {$840.00} on my ( XXXX XXXX ) credit report. I want it taken off immediately.
06/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46074	Web	Servicemember
I received a letter from IC Systems which is listed as a Collection Agency. They stated in their letter to me that the original creditor and CURRENT creditor to whom this debt is owed is XXXX XXXX. That is misleading by making me believe that I can not dispute the debt under the FDCPA since it is the original creditor trying to collect the debt. Except for the fact that this letter and communication is from IC Systems and the company website plainly states that it is a collection agency. Even if said collection agency is a subsidiary of XXXX, their sole purpose is collecting debts and can not mislead the consumer to believe that they are something that they are truly not. This is a clear violation of the FDCPA in the wording of the collection notice.
03/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77014	Web
On XX/XX/XXXX I visited an in-network physician and paid my normal co-pay of {$50.00}. My insurance provider payed all remaining balances. IC Systems has been harassing me to pay {$720.00} to the physician claiming that payment has never been paid. A collection has been added to my report as of XX/XX/XXXX. On XX/XX/XXXX, I called IC Systems with my insurance agent who stated that the amount was paid by them 100 % and I should have not been billed. IC Systems representative stated that this will be removed and send over a letter stating the removal. On XX/XX/XXXX, I have received a phone call from IC Systems stated that I still owed and no remarks were added to the account and I would never receive a letter stating that the collection has been lifted.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11226	Web
NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
03/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46545	Web
I had IC system place a debt on my credit on behalf of XXXX XXXX XXXX XXXX on XX/XX/2023 in the amount {$2600.00}. I called IC system few times explaining them that the debt is not mines as I never signed the retainer with the law firm. My dad signed for the Financial responsibility and I was helping my dad through the process because of XXXX XXXX. IC system told me early XXXX that they would investigate the matter and get back with me. They never did and just went ahead and filed it on my report hurting my credit. I have no option other than waiting around because everyone tells me that this is going to take 30-60 days to get a response. I do not understand how they have are the right to ding peoples credit without having all the information.
09/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48188	Web	Servicemember
In accordance with the Fair Credit Reporting act XXXX XXXX IC Systems reported a derogatory debt on my credit report that was already paid to the original creditors XXXX XXXX in 2020 which violated my rights to privacy. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that this debt is owed to them. Ive spoken with different representatives explaining that I returned all equipment and paid the company directly and they failed to remove this debt from my credit report. 15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. This violation has caused me great grief as to my credit score.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19145	Web
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60605	Web
No idea of this account. Address on report is the complex next door to my old residence. Never stayed there. Never been evicted. This is Fraud. Original creditor XXXX XXXX XXXX XXXX. XXXX sold to XXXXXXXX XXXX XXXX for XXXX. This address and debt is unbeknownst not mine. Ive already disputed this account with XXXX. Also An ATT account that I never had and XXXX Also. I have never had a fancy phone. Always a government phone. I am on XXXX XXXX. I can not afford these phones that are XXXX of dollars. I live in a XXXX XXXX. I was just homeless and lost all my identification within the last 2 3 years and thats when all the fraud started. AT & T is {$2600.00} already disputed and police reports made. XXXX XXXX {$1200.00} disputed and police report made.
09/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 220XX	Web	Older American, Servicemember
I transferred my Internet, TV and phone from XXXX to XXXX at the end my XXXX billing period on XX/XX/XXXX. XXXX was installed and working on XX/XX/XXXX. All XXXX equipment was returned to their local store and I have receipts for everything. Now XXXX has deliberately and falsely billed me {$780.00} for XXXX unreturned set top boxes, taxes and for a period after disconnection and XXXX installed and turned collection over to XXXX firms in XXXX different states. This is common billing practice for a firm well known for outrageous customer service that keeps billing and collection actions separate from other services. I 've experienced similar treatment before with XXXX Phone service. But as customers have only XXXX choices. They can get away with it.
11/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53051	Web
XXXX has continued to attempt a " debt '' of XXXX that they claim I still owe for when i had their internet services. This was an equipment rental fee. However, both pieces of equipment have been returned to them via XXXX as of XX/XX/XXXX. Copies of the XXXX receipt have been sent to each " debt collector '' that XXXX uses, and still I am getting letters stating I owe for unreturned equipment. Latest company ( as of XX/XX/XXXX ) is called I.C System, i have tried to call and the number is not working, i tried to email and email bounces back... website only allows for you to choose reason of dispute but no attachments. This is the 3rd company that has now tried to collect a debt I do not owe, and yet here I am trying to get this resolved AGAIN
05/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web	Servicemember
I am a XXXX veteran. XXXX XXXX XXXX has a contract with VA ( Veteran Affairs ) to provide local care to veterans. I provided my VA ID and got XXXX services on XXXX and XXXX. VA paid XXXX XXXXXXXX for services however I found they ( XXXX ) put me in collections for {$400.00} and {$1600.00}. Contesting this, it was discovered the wrong information was entered into XXXX XXXX XXXX. VA has contacted XXXX on XXXX different occasions and instructed them on the proper way to enter veterans ' information. They will not remove this from collections. All representatives tell me that it takes XXXX days to fix. This time have expired. I have been collections for 1 year. I've disputed these collection account accounts with the XXXX credit bureaus to no avail.
07/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48213	Web
Your company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. Please remove this from my credit report so I can start possibly rebuilding my credit and life. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
05/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23059	Web
I've received XXXX letters stating I owe differing amounts, most recently {$610.00} for animal wellness plan that was auto-renewed without my permission, signature or initials. I have a copy of the contract to prove. After filing a dispute with my bank- XXXX XXXX, they investigated the first amount charged {$47.00} on XX/XX/ and the claim was resolved in my favor because they vendor could not provide proof that they had my permission to auto renew the annual membership. This is a scam by XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. I have made numerous attempts to contact the company unsuccessfully and to cancel my membership and could not reach anyone. Their automated system does not even recognize my phone number linked to my original account.
10/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
In early 2020, I was informed of this debt from IC systems representing XXXX XXXX XXXX when I was in the process of buying a home. The debt did not belong to me so I followed protocol and procedures and sent them my Information and filled out their fraud packet. I also contacted XXXX and provided a police report and it removed within a few days as well as flagged as fraud from the collection company. This morning it was submitted on my credit report but for a different amount. I contacted them right away and was apologized to regarding it severely affecting my credit report and that it would be removed. I also contacted XXXX and they requested for me to fill this form out so they can block this company from being submitted to my account again.
08/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85286	Web	Older American
XXXX has jacked up my bill from a legitimate amount of {$1000.00}, against which I have paid money, to a grand total in excess of $ XXXX, while not crediting me for payments made. Further, an understanding was reached with aprior collection Company that XXXX retained. I offered to make recurring payments. They couldn't take them. They agreed to call me on a monthly basis to obtain payments. They called me once, and payment was made. You do not even reflect that payment. XXXX does. IC Systems then took the account ; did not acknowledge payments made ; and made a derogatory report to the Credit Bureaus. They also added yet another {$400.00} charge to an already overstated and inflated bill. The situation will likely end me up in a bankruptcy.
07/18/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 143XX	Web
They never called or reach out to me, I also had disputed because the chargers is no accurate. They didnt even ask how much I wanted to pay to Settled they went right on my credit report to add the charges. During this pandemic I never received ved anything I turn in the phones with XXXX 2 XXXX XXXX thru the mail. I only owe them {$870.00}. Only had 1.5 month of the contract left they was charging me {$450.00} dollars a month couldnt afford that payment any more was trying to buy out the phones they kept adding more charges to keep me with them making it harder to own the phones that we only had 2 months left to pay on them all these extras they was trying to add phone reps tell u its this month than u call back to pay it they added more money
06/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30213	Web
IC Systems has been attempting to collect a debt from me for an account that they claim was sent to them from XXXX XXXX XXXX. It has been several years since I ended my account with XXXX XXXX XXXX and it was never delinquent. When I canceled the account and closed it, my balance was XXXX. Now 3 years later I am receiving collections calls at all hours of the day and night and it has been added to my credit report. When I disputed it on my credit report, IC Systems then added a second account, also with XXXX XXXX XXXX. I feel like I am being unfairly targeted and their collection tactics seem very odd. I have now disputed both accounts but I am concerned that they will retaliate further. Whatever debt they are collecting, does not belong to me.
07/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO XXXXX	Web
On XX/XX/XXXX I went on XXXX XXXX and noticed my score had gone down, went to check out why and seen something from ic systems and XXXX XXXX XXXX ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX nor XXXX XXXX ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this
10/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 307XX	Web
In XX/XX/2018 a collections showed up on credit report saying I owed XXXX in the amount of {$140.00} at an address in XXXX, Michigan which I have never been or lived. I immediately filed a theft report with this company and also a police report. After about 3 weeks this was removed from my credit report. I thought all was fixed until XX/XX/XXXX a collections company called I C Systems ( XXXX ) XXXX showed on my credit report for the same account with XXXX XXXX XXXX ) XXXX fraud dept ) ( XXXX ) XXXX for the amount of {$140.00} with reference number XXXX. I have called all numbers that are possible and no one willing to help. So basically XXXX has swept this under the rug and decided a few months later to try and collect again very bad business.
02/01/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 487XX	Web	Older American, Servicemember
I received a letter from IC System a debt collector. I called the company, XXXX., spoke with XXXX in billing and she discovered they had left the A off on the end of my Medicare card, so she said she would rebill Medicare. A couple of months later I noticed that the debt still was not paid so I called again ( XXXX XXXX XXXX, spoke with XXXX, at that time she said she would rebill Medicare again. Then I received an EOB from Medicare stating that I would be billed XXXX. Then about a week and a half later I again received a bill from the collection agency at that time I tried to call XXXX XXXX unscccesfully, the line was always busy. I called some agencys, XXXX XXXX and XXXX XXXX. I am going to try to attach some info to help you to understand.
08/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90046	Web
A debt collection agency contacted me regarding a back internet bill from a previous tenant that was not me. The equipment was left in the unit. So I took it to ups and dropped it off for them after they contacted me. I didnt need to do this. But I went out of my way to do so. This collection agency has continued to contact me saying I owe money but I dont, they also say they have no record of the equipment being returned. The ironic thing is. I have a current internet service with the same company that apparently claimed the debt. So none of this makes sense. Its not my debt. Ive told them XXXX times its not, and they still continue to call me daily. They also just put a negative remark on my credit report. For {$59.00}. This is insanity.
05/27/2022	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	MD 21207	Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
07/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 441XX	Web	Older American
XX/XX/XXXX XXXX XXXX aka XXXX XXXX cable services closed my cable account, I returned the cable box and delivered them to their field office. My cable bill was {$260.00} after shutting off the service, they continued to bill and added more and more dollar amounts to my account. Making my pay of past due monies owed to XXXX impossible for me to pay, now my owed amount is doubled from my billing statement, placing negative reporting on my credit report. This seems to be a practice they do to customers who can't or won't pay them what they ask. I'm a senior citizen on a fixed income, and this is effecting my credit FICO score. the information on the reporting of my past due amount is incorrect and I'm stuck with negative reviews and FICO score.
12/27/2020	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 Investigation took more than 30 days	CA 92532	Web
From the company 's response I have concluded that they are still presenting false information about my complaint. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature. ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. If the company can provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.
09/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30083	Web
Hi, I received a notification this morning that a collection was added to my credit report. I can testify never received a phone call or written notification from this debt collector named " IC SYSTEM ". This activity dropped my credit score by 45 points. This is so frustrating! I have never dealt with anyone from this company " IC SYSTEM ". They are trying to collect {$320.00} on behalf of XXXX. I have no knowledge of this debt. I dealt with XXXX in the past, but this looks so strange to me because I returned the equipment. That was the one thing I owed them. Equipment was returned! And I have never received a final bill or something stating I owe XXXX money. Why big company like this can be negligent? Thanks for helping me in this matter.
06/06/2022	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	LA 700XX	Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
06/06/2022	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	IL 60640	Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77066	Web
I submitted a complaint with the CFPB ( XXXX-XXXX ) on XX/XX/2021. I.C. Systems stated Our records indicate the account has been disputed but its still reporting on my accounts. I know my rights and I know I have to give permission for someone to obtain my credit report. I did not give I.C. Systems permission to obtain my credit report file. I do not have a transaction with I.C. Systems or an account. I have to provide I.C. Systems with legal power of attorney or a notarized consent letter giving authorization for them to act on someone behalf and I NEVER gave I.C. Systems permission. 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports, states In accordance with the written instructions of the consumer to whom it relates.
03/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 331XX	Web	Older American
the collection company named : I C SYSTEM COLLECTIONS has falsely reported collection on my name and they don't if they really have my social security number? I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency IC SYSTEM COLLECTION and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you XXXX XXXX XXXX
11/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28655	Web	Servicemember
This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. XXXX XXXX XXXX would provide not me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28277	Web
I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76039	Web
At The Beginning Of The Year I Had A collection placed on on 3 bureaus from a 3 party Debt collection agency! I dug into it to figure out what it was & it was from a telephone company ( XXXX XXXX ) To an address in Louisiana! Ive Never lived in Louisiana XXXX XXXX XXXX Doesnt Even Service Texas From the research Ive done, so how could I possibly own this debt Debt Is For {$2400.00}! I deputed it & filed a police report with the XXXX, Texas police department & it was removed once the credit bureaus discovered it was fraudulent! Just yesterday it popped up on my credit again, but know through a different 3 party collection agency! New Agency : XXXX XXXX XXXX I WOULD REALLY LOVE TO FIGURE OUT IF I CAN RID OF THE FRAUDULENT ACTIVITY!
03/16/2021	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	TX 75094	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
02/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 10312	Web
I contacted IC Systems Inc. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX. Regarding a negative collection account for medical Bill 's that was reported to my credit report. This account was paid in full by my Insurance provider, and the amount owed was XXXX out. I was told by IC Systems that they could not remove the negative collection account from my credit report since the balance was recalled by the original creditor. I demanded that they remove this negative information from my credit report and they refused to do so. I attempted to dispute the information on my credit report but was unsuccessful. I have a letter stating that the debt will be returned to the original creditor but they will not remove it from my credit report.
10/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91737	Web
I pulled my credit report then I noticed a collection account on my report. Is was XXXX XXXX XXXX. I called them ( I C Systems Collections ) and gave them my name and address and they couldn't find any collection account. I then disputed it with XXXX XXXX thinking it would come off. 30 Days later i checked my report and it is still on there as verified! I called I C Systems Collections and gave them my name and address and they still can not find the account even though they just verified it. I called I C Systems Collections with a representative from XXXX XXXX on the phone and they also said they can't find the account with my name. ( Recording attached ) I asked why they can't delete it then and they said they do not have the authority!
09/13/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MO 631XX	Web
I received a notification from my credit card ( XXXX ) that I had a derogatory mark on my credit report. I reviewed my credit report and there was an outstanding debt balance from IC System. I called IC System ( spoke with XXXX, ID # XXXX ) and explained that I was never notified of debt or given an tracking number. I asked for their documentation that they attempted to notify me of debt and they said that they attempted 1 call and could not leave a voicemail due to privacy and they could not mail a notice because my address was out of date, and no other attempts were made. I asked why other calls were not made before they submitted the debt to my credit report and XXXX states it due to having thousands of accounts and being understaffed.
04/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 402XX	Web
I recieved A collection notice from company called I.C. system on XX/XX/XXXX about a XXXX past due account This is the 4th collection agency that has contacted me since XXXX. XXXX XXXX complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX and also # XXXX XXXX XXXX XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX at present time same address
06/28/2016	Yes	Credit reporting	Incorrect information on credit report Account status	IL 628XX	Web
I paid XXXX in full With IC SYSTEMS ( XXXX XXXX XXXX ), ( The amount currently in collections. ) Several months ago I did a three way call with IC SYSTEM and XXXX XXXX XXXX to resolve this issue. After getting nowhere with defending the amount I did not owe, I paid the amount the debt collector claimed I owed. This amount is still currently on my credit collections. I honestly do n't remember the Man 's name that I spoke with from IC Systems but this amount is no longer due. 13 Days ago I XXXX, trading for a larger vehicle is now an issue due to this in collections. This has not only affected my credit but future convinces of having a larger vehicle and lower payments. Asking for some assistance on getting this removed. Thanks, XXXX XXXX
11/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90807	Web
XXXX. I do not owe any money to XXXX XXXX. I have never received a bill from XXXX indicating a balance due. XXXX. I have never received a Demand Letter from XXXX indicating if the amount due is not paid by XXXX date, collection action will begin XXXX. My payments for service are up to date [ no money for service is due ] XXXX. I have returned all equipment to XXXX XXXX for which I received a receipt.!! XXXX. XXXX has previously contracted for this with XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX, to which I provided the receipt and the same above information. It would appear XXXX is engaged in XXXX XXXX XXXX. XXXX. I have provided all this information to IC Systems XXXX IC Systems has NOW placed a derogatory item on my credit report.
02/24/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	WI 54703	Web
Received a collection notice from I.C Systems , Inc. for the Creditor XXXX in the amount of {$350.00} on XXXX. I contacted XXXX directly instead of the collections Company to verify my concerns of fraud. I spoke to two customer service members and both verified my name and address were not in their system, and also verified they dont offer services in my area. The 24 digit Account number that was supposed to be my XXXX Account number was also verified fake as it started with an XXXX and customer service said that normally in Wisconsin it will start with an XXXX. My initial thought was fraud due to the fact Ive never had a XXXX account. But this will surely fool lots of people the paper looks really professional and many will be scammed.
04/01/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN XXXXX	Web
Hello, On XXXX, I received a collection notice from XXXX trying to collect a debt for XXXX. I wrote back to the company on XXXX and advise that I did not owe the debt and desist from further collection. On XXXX, I received the exact same notice and wrote again advising the agency that I would like them to valid the debt. On XXXX, I pulled a copy of my credit report and they have place the collection notice for this debt on my credit file, eventhoug I repeated wrote back disputing the debt and the amount. I would personally like to start a class action suit against this company and would like your recommendation. Please find the attached documents as proof of my numerous attempt to resolve this problem. Kind regards, XXXX XXXX XXXX
08/26/2021	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	IL 601XX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/20/2021	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	FL 32218	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/20/2021	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	FL 32218	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/29/2021	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	TX 752XX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/15/2021	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	MI 482XX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/15/2021	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	OR 97070	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 660XX	Web
My father, XXXX XXXX, is deceased as of XX/XX/21. His account with XXXX was current at the time of his death. I attempted to close his account and provided a copy of his death certificate, which XXXX indicated was not adequate proof. I verified numerous times with XXXX that his account was paid in full to which they agreed. Now they are attempting to collect for service after the time of his death and sending collection notices harassing my mother whose name appears nowhere on the account causing her unnecessary stress and XXXX. I would like for XXXX and XXXX XXXX to cease and desist all communications to XXXX XXXX XXXX, XXXX, MO XXXX as this is no longer the address of XXXX XXXX. I made every effort to resolve this matter to no avail.
06/21/2022	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	TX 77530	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
04/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48092	Web
Mailed a debt validation letter to company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Received a letter in the mail stating account was validated with no proof of copy of the written agreement that created my original requirement to pay, did not provide verification and documentation about why this is a debt that I must pay such as last billing statement or any documents with my signature. I sent a follow up letter to the company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Company failed to respond. Checking my XXXX credit report this company has added a collection to my report on XX/XX/2022, XX/XX/2022, and XX/XX/2022 for the same account.
09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web
I received a bill in the mail around XXXX stating I owed a bill of XXXX dollars for a hospital visit. I reviewed the information and realized that this was for a visit that I never had. I have never been to XXXX Georgia but they are claiming that I received services from them as of XX/XX/2020. My issue is that I again have never been to XXXX GA. Now they have placed this on my credit which is becoming a hassle to have removed. In addition to this, me and my insurance provider reached out to the company seeking resolution but they gave us the run around. I requested verification by way of identification they used to process this and they stated I was unconscious. It has been a nightmare and still I am being affected by this foolishness.
07/23/2021	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 30092	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/15/2021	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	NC 28078	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
02/10/2021	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	CA 91765	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
09/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33127	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30318	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
10/14/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 986XX	Web
I contacted I.C System regarding a letter they sent regarding a bill from XXXX. They said they had not reported the bill to the credit unions, which I had verified prior to calling. They said they were not reporting the bill to the credit unions. We came to a payment agreement. I paid agreed. They reported to the credit union, making it look like the bill had n't been paid in 2 years, which was not true. I paid as soon as XXXX verified the breakdown of the bill was accurate and that I had received credits that I was due. I.C System maliciously caused my credit rating to drop. I.C. System reported after it had processed payment. Prior to our making payment arrangements they indicated they had no reason to report a debt paid as agreed.
09/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53208	Web
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70508	Web	Servicemember
In 2019 I reported the collection agency by the name of IC SYSTEMS, who purchased a debt from XXXX XXXX XXXX XXXX XXXX as well as another agency ( nameless, it has been cleared ). I contacted the bureaus with supporting documents to have the account removed from my report. Both XXXX and XXXX removed the account and also noted that, the company should not be allowed to report this debt again. I also contacted the CFPB, in 2019, regarding this company. The account was removed from my account due to fraud, in 2019. However, this same account has been listed as a collection item, once again, on my XXXX credit report. XXXX later. As proven, I have sent validation letters to this company, that went unanswered after the legal allotted time.
06/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29073	Web
XXXX XXXX has sold a closed account XXXX to I.C systems , INC and now they are saying my account is flagged 15USC1681section 602A right to privacy 15USC1681section 604Asection 2 it also states consumer reporting agency can not furnish a account without written instructions 15USC 1681c.a5 states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records or convictions of crimes with atendates the report by more then 7 years 15 USC 1681.-2a1 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 in accurate
05/04/2021	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 Was not notified of investigation status or results	DC 200XX	Web
Hello, IC SYSTEM, a Collection agency, did not contact me prior to submitting my information to Credit Bureau or to inform me of my account in their agency. I was not aware of the pending complaint until I received an alert from my credit bureau dated XX/XX/XXXX. I then proceeded to get the contact information from the credit bureau to be able to contact them. I called IC System on XX/XX/2021, and requested them to send the information on file. I finally received a Validation letter on XX/XX/2021. After several phone calls, I came to find out I was not aware and not informed of my collection status. The damage on my Credit report made me lose a position on the last process of hiring and also an opportunity to refinance my loan.
05/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32837	Web
The account showed up on my account around XX/XX/XXXX as a collection. When i called the company they stated that i never mailed my equipment from XXXX XXXX XXXX, but i did. I also provided them with the receipt from the post office that the equipment was send to them. After that conversation, i didn't hear from them for 3 months. They ones again stated that i never send this equipment in and attempted to collect money from me in a very aggressive matter. The reason i cancel my account with XXXX XXXX XXXX was because they charged me for long distant calling with out my consent. They spoke to a person in my house and through them they opened and account under my name. They never spoke to me and i ended up just cancelling this account.
02/19/2020	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	TX 775XX	Web
I received an alert from XXXX XXXX, a credit monitoring company that I had a derogatory account from XXXX XXXX and IC System reporting on my credit profile. I immediately contacted XXXX XXXX to dispute the issue. I was told by the representative that the charge was because XXXX XXXX did not receive handsets after I canceled the service. I provided proof that the handsets had been scanned ie. the prepaid return shipping labels provided by XXXX XXXX. I also provided proof that the handsets had been delivered and received by XXXX XXXX. The representative assured me that the issue was resolved, but I received another notification weeks later stating that the debt of {$1400.00} had been sold to IC System by XXXX XXXX. This is not my debt.
07/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80205	Web
I switched phone providers earlier this year. I returned the leased phone I had with them. I also paid the final amount of my bill. All done at the XXXX store, or over the phone with a XXXX rep. However, when submitting a mortgage application I was notified that XXXX sent my account to collections. I call XXXX, and I keep getting the same response. Your account is in good standing. Your account has a zero balance. And that my account was not in collection. I try to contact a supervisor on the phone, and that seems to be impossible. I contact the collection agency, and they tell me that the debt is now at a XXXX balance because XXXX notified them of the bill being paid in full. They refuse to delete the item from my credit report now.
05/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA XXXXX	Web
I have reached out to IC Sytems and after thirty days of elapsed time I wanted to file a complaint., The debt they are trying to collect on is erroneous for I have paid as agreed., and fully satisfied this debt., I sent by certified mail / return receipt attached Hereto requesting Full / Validation of this debt including but not limited to An explanation of what the alleged debt is for / A calculation of the balance, Including the complete payment history of this account so that I have proof that this amount is correct / Documentation that shows I agreed to pay this debt / The agreement that grants them the Authority to collect on this alleged debt / a copy of their license to do business in my state along with their license number.,
03/27/2021	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	CA 91765	Web
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/25/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29406	Web
I am writing to dispute the following information in my file : because. I am requesting that this item be in order to adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.
08/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33312	Web
I received a email from XXXX XXXX about a collection on reported on my a XXXX XXXX credit report XX/XX/2020 this was the first I even new someone was trying to collect a dept. On XX/XX/2020 I disputed threw XXXX XXXX and came back accurate. Don't know anything about this bill it from IC Systems Collections for {$460.00} stated the the original creditor is XXXX XXXX XXXX. I again Disputed the collection XX/XX/2020 this time directly threw XXXX XXXX web site. This time the results came Not Specified and changes were made. I called XXXX XXXX and they did know what that results meant. I asked them if IC Systems provided any documents proving that this is my debt and stated no. This is not my debt and want removed from my credit report.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30078	Web
Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that IC SYSTEM the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.
08/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92705	Web
I have been receiving bills from XXXX XXXX XXXX for a person with last name XXXX ; however, I never had any service through the company. I reached out to XXXX XXXX XXXX to let them know that this does not belong to me, and they were not able to produce any proof that they belonged to me. The company noted to disregard the notices. Today, XXXX/XXXX/2020 I received a letter from IC System - Collection Notice regarding a balance due of {$520.00} ( reference number : XXXX ; account number XXXX ; creditor XXXX XXXX XXXX. The name, again only shows " XXXX '' without a first name. However, the address is my address. I believe that the company is mailing out mass letters to every address related to any persons with the last name XXXX.
09/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 908XX	Web	Servicemember
IC System keeps adding/attempting to add itself to my credit report for a bill that is invalid and/or inaccurate. I have disputed this item on my credit report several times over as it has been reported by multiple collection agencies with falsified and/or inaccurate information. IC System collection reportings were previously deleted from my credit report but somehow IC System keeps managing to add itself back on for the same disputed item. It is my understanding that a creditor nor collection agency can report falsified and/or inaccurate information on a consumers credit report. IC System with its various tactics keeps attempting to damage my credit report with falsified and/or inaccurate information. Please put an end to this.
11/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32835	Web
I C Systems Inc a debt collection agency has an unknown debt on my credit report. They are not authorized to collect debts in Florida. And I have written multiple 609 letters and debt validation letters asking them to validate this debt to me by showing the proper proof this is my debt or remove it from my credit report. They have failed to provide any documentation and I have no knowledge of this debt. Nor have I given my personal identification to this company or the creditor they are representing. Also this same debt is being reported on my credit reports twice. Please have this debt removed from my credit reports as per consumer law they have not legally validated this debt and are inaccurately reporting to my credit reports.
08/25/2021	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	TX 76105	Web
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
04/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87124	Web	Servicemember
In XX/XX/XXXXXXXX XXXX reported a debt by a company called XXXX for {$840.00} by XXXX XXXX. I disputed this debt. I talked to XXXX XXXX and they had no knowledge of me owing this money. I talked to XXXX and they wanted to charge me money to investigate this debt. I do not owe this amount and I am in good standing with XXXX XXXX and XXXX XXXX XXXX. I disputed this with XXXX and they deleted it from my account. XX/XX/XXXX XXXX has again reported the same debt by a company called IC System for {$840.00} by XXXX XXXX XXXX. I disputed it again with XXXX telling them that they had already deleted this once from account but did not do so this time. This is not my debt and would like to have it permanently removed from my account.
04/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84096	Web
XX/XX/XXXX ICS systems on behalf of XXXX XXXX submitted a charge off on my credit report resulting in my credit being dropped -50 points. I had contacted XXXX XXXX in XX/XX/XXXX when notice of this debt was received by mail. XXXX XXXX was asked if they had received the modem which i was being charged for, they said yes. two months later i had a charge off on my credit report. I contacted the credit collector and disputed the charge XX/XX/XXXX. I contacted century link XX/XX/XXXX again gave them the tracking number, and they finally resolved the charge. However they have made no effort in good faith to repair my credit rating. They gave me blanket statements that it would probably be resolved in 30-60 days. This is unacceptable.
03/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34787	Web	Servicemember
I have been trying to verify a debt claimed to be owed to XXXX XXXX XXXX that is being collected by I.C. Systems, INC. I have sent I.C. Systems, INC multiple certified letters trying to dispute this debt, and I have yet to receive a response for the requested information. I contacted I.C. Systems, INC today in order to get the account number and was told by a representative of I.C. Systems, INC that they are not required to respond to disputes. I additionally have asked I.C. Systems, INC why the debt listed on my credit report is showing an account number that they can not find within their systems at all, but was told that they have no idea why that account number is showing and that they have no idea of how to rectify it.
11/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 316XX	Web
IC systems contacted me once about an alleged bill with some tv company. I know this debt is not mine, they may have me confused with my ex wife, so I explained this debt was not mine and asked for validation of this debt through a letter. No debt validation was sent nor any proof this debt as being mine. I now have this collection showing on my credit files which is completely unacceptable. This collection must be removed from my credit files immediately. IC systems has a poor BBB rating, multiple complaints for illegal and harassing collection tactics, and is listed on watch lists monitoring fraudulent and scam debt collection. I will be filing a complaint with the BBB and state attorney general 's office immediately as well.
10/21/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MD 20785	Web
A company identified as IC Systems contacted me by telephone at my job about a week ago and wanted me to " verify my address ''. Because I had no established relationship with them and did not know who they were I refused to give any information and asked that they not contact me on my work number again. They have since called the company repeatedly, prior to my work hours, and have disconnected or hang up the call as soon as someone answers other than me. I was told they asked what was a good time to reach me and was told after XXXX XXXX. Since I spoke with them about a week ago ( after XXXX ), their names appears on my employers call log on at least two occasions -- most recently this morning ( XXXX XXXX, 2016 ) at XXXX XXXX.
07/06/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85224	Web
XXXX XXXX stated i never took back there equipment but i personally dropped it off at their office in XXXX arizona. It was time to close so the sales associate stated just to leave it and we do not need a receipt. I called they stated they never got it ; they tried to track it and they stated its fine ; you dropped it off you will be okay. Then i got calls at all times of the day for IC systems stating i have a collection with debt. I.C. system stated they would clear my report if i pay ; they were supposed to send something in writing they never did. I paid the debt and i never heard back ; the collection is on still on my account and i am hurting because of this. I can not buy a house, car because my credit is being affected
07/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
After noticing the debt on my credit report, I sent a Debt validation letter to IC Systems ( XXXX XXXX XXXX )., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from the IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. Last year when the debt validation was requested, IC Systems ( XXXX XXXX XXXX ) removed the debt from my report, but again recently added it.
07/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23834	Web
I have been on a journey of striving to rebuild my credit and I requested my credit report. There is where I found the debt for XXXX XXXXXXXX XXXX. I reached out to them because I have never been treated at the hospital or used ambulatory services for the hospital in question or ridden the ambulance. When I called to question the company about the debt they made it very clear that this debt was not made by me nor did I sign anything to be treated in there facilities. They said someone else could have given them my information such as, my child or family member and when I did not respond to a letter sent to an address that I havent resided in over a decade. The debt became mine. This is absolutely against the law. Please help!
09/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	WI 530XX	Web
This is now the third time that XXXX has sent me to collections. I am getting really tired of the hours I have had to spend on the phone and they never resolve the issue. I have filed identity theft reports with my local police office, spent hours on the phone with them, and now have to do it again. This company is a ridiculous. I have been working hard to turn my credit around and XXXX just continues to allow phones and services to be billed to me when I will never use their service. XXXX is absolutely ridiculous. I have never used them and never will. You would think the {$1000.00} 's that has been wasted when they continue to let people falsely create accounts would make them wake up but it turns out that is not the case.
10/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30316	Web
My credit report states that IC Systems put a major derogatory mark on my credit report in the amount of {$460.00} on behalf of XXXX XXXX. I spoke with XXXX XXXX at XXXX on XX/XX/2020 who stated that they have yet to contact me nor have they sent any correspondence from me. Furthermore, they stated on my credit report that I am more than 120 days late on this account, however, Mr . XXXX stated to me that they have only owned the account or 99 days. This company put a false mark on my credit report : incorrect dates, has not contacted me, and has not validated the debt. Mr . XXXX refused to give me the phone number to IC Systems at first until I told him that I was transferred to him did not have access to the phone number.
02/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33026	Web	Older American
In XXXX moved from XXXX fl due to divorce. I. systems listed it on my credit report when all bills to be paid by ex. I called them, XXXX had no record, IC had no validation and I disputed. They sold the debt so now instead of falling off on XXXX, they sold it again and date opened shows XXXX. I have called multiple times for proof of debt, charges etc and they have said they assumed debt and have nothing on file. They have shut me down at every turn. They are acting against Fair Debt Collection, purposefully fighting the wrong party and trying to harass me by dragging out date account opened ( XXXX only date I first noticed, now XXXX ). I want it removed. My credit is perfect except for them. Please help me. Im at wits end.
09/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60628	Web	Servicemember
I received a notification from experian on around XXXX saying that my credit score dropped significantly and there have is now an account in collection. I tried to dispute the account several times but it didnt work. The debt amoun is for XXXX dollars I was not made aware of this debt and the account. I cant not file anymore dispute because of XXXX with the lack of information, I have proof that contradicts that. On XXXX and XXXX there is no account in debt showing. It just showing on XXXX. Im trying to get rid of this account because I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Which make it impossible for me to open up and an account with a phone provider since I have an XXXX phone service instead of United stated.
02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90710	Web
I was going through my credit report and I saw a debt collection of {$260.00} on my report. The company that opened this collection is I C System and theyre a collection agency for XXXX XXXX XXXX XXXX XXXX This is fraud because I have never opened an account with XXXX before. The account was opened XX/XX/2018 and it states that the account is currently open. I dont recognize this account so I want it closed and removed from my credit report and reported as fraud. I tried to dispute this with I C System and they said to report the fraud and open a claim with consumer finance. Once this claim is opened they said theyd look into removing the collection. I am providing a picture of collection information from my credit report.
06/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33155	Web	Servicemember
I installed XXXX XXXX service at my apartment. With my XXXX XXXX service I was offered a XXXX XXXX . I took the offered. I was charged outrageous fees for used data that I did not understand, I also received equipment that I never ordered. I was charged for it. I returned the equipment, but theyvkept charging. While I was disputing the charges XXXX XXXX XXXX cancel my XXXX XXXX service without notification. I.c. System Inc. do not stop calling. They reported me to XXXX and XXXX that I know, I do know how many others. What they do is they reported me wait a couples of months, withdrawed it, wait a couples of months a reported me again for the same thing. This is been going for the last year.
08/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 45044	Web
I really do n't know what my options are, if any. I had cable in my name and my mother was living with me. I moved out, and allowed my mother to keep the cable on at that address in my name. She then moved and transferred the cable to her new addeess. She ended up accumulating a large bill and was unable to pay it. The debt went to collections without my knowledge of the situation. XXXX XXXX never contacted me, the account holder, that the debt was going to collections, and neither did my mother. I realize I screwed up by allowing my mother to do this, but do I have any options here? My mother totally ruined my credit with credit cards she opened in my name when I was XXXX and I finally got my credit score to a good level.
04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48640	Web
I reviewed my consumer report and noticed a collection account on there that is invalid. I. C SYSTEMS is reporting on my consumer reports that I owe them an alleged debt. I sent them a letter via certified mail to ask for validation of this debt and it was delivered on XX/XX/2023. They have not responded to this. Again I will ask them for the forward flow agreement NOT BILL OF SALE. I also asked for proof of contract that I have with I. C SYSTEMS and finally I revoke any implied consent for them to be reporting to my consumer report and having my personal identifiable information. No consent is identity theft. I demand that I. C SYSTEMS immediately delete the false, inaccurate, and illegal reporting of my consumer report.
06/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63301	Web
I.C. Systems Inc. ( 3rd party collections for XXXX XXXX ) is in violation of the FCRA regarding this account of {$470.00} by attempting to collect on a debt older than allowable years for reporting amongst other violations : I am requesting assistance in having it cleared from XXXX in specific. This account was removed from XXXX and XXXX for FCRA violation ; the same as I'm requesting it be in this instance. I have disputed through the online dispute option. The dates being represented are misleading as to origination of the debt 's dates. Also, the debt 's time within a third party collection cycle has negatively impacted my credit for longer than the " reasonably stipulated '' penalty timing/ phase on a credit report.
01/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90023	Web
I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Has an account open for the amount of {$460.00} and I have tried in every possible venue to solve this situation with the company and they refuse to work with me. I have spoken to them several times and I have disputed this item several times with the credit bureaus and have not been able to get it off my record. This debt is not mine and Im not responsible for it. It's mind blowing how they are trying to make me pay for something that is not mine and worse they reported this to the credit bureaus and it's creating some deep damage to my credit. I was left with no choice and I have placed a fraud alert on my credit reports in order to avoid this situation from happening again.
10/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32904	Web
My name is XXXX XXXX and I received a copy of my credit report and was shocked to see two collections for XXXX XXXX XXXX/XXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those two bills are not mine and have never been mine.
05/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45011	Web
XXXX XXXX Hospital starting charging my credit card that was stolen a monthly bill. It appeared after I reported my card stolen but still showed up because it was a installment amount. I disputed the charges ... 3 months in a row. All XXXX were removed and deemed unauthorized charges. XXXX was blocked from further charges and did not show proof that the debt was in fact mine. 10 months later they sold the account to a debt collector ; IC Systems XXXX, MN XXXX XXXX Account # XXXX. I contacted this company and provided documents showing that the charges were not authorized and a result of fraudulent activity. They stated that they would close the account. Several months later they reported it to my credit reports illegally.
04/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	XXXXX	Web
I received a letter from I.C. Systems on XXXX/XXXX/16. My bankruptcy was filed on XX/XX/2016 and discharged on XX/XX/2016. I called spoke with Rep at I.C. made them aware of the bankruptcy provide attorney name and number. Fast forward to XXXX/XXXX/16 I was preapproved for an XXXX from XXXX XXXX XXXX was due to pickup on XX/XX/XXXX. On that morning I received a credit update from XXXX XXXX making me aware my score had dropped by over XXXX points. It was I.C. Systems and XXXX XXXX XXXX. I called the company to see why this happened and although my account notes notated that I called to report the bankruptcy. They proceeded to attempt to collect the debt anyway. I lost the vehicle due to the damage done to my credit report.
05/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33024	Web	Older American
I went to the Dr on XX/XX/, my copay was {$100.00} with XXXX XXXX as per my XXXX XXXX policy XXXX plan # XXXX which i paid at the time of service. a couple of months later XXXX XXXX sent me a bill stating that some weird insurance company paid some money but not all of it. I write to XXXX XXXX twice without a response advising them that it appeared they billed the wrong insurance company and that my copay was supposed to be {$100.00}. I never heard back from XXXX XXXX on either of my letters. today i received a demand for payment from a collections agency I.C. Systems XXXX XXXX XXXX. XXXX XXXX MN XXXX demanding payment of {$79.00} which i do not owe as i paid my co- [ ay at the time of my visit as per my XXXX XXXX XXXX
08/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	ID XXXXX	Web
I received a bill from ( I.C. System Inc. ) XXXX XXXX XXXX XXXX XXXX MN. XXXX For the amount of {$5200.00} on XXXX with my name and address. I did call and make a complaint to them and to my understanding they put it in their system as fraud. I spoke with customer service at XXXX XXXX and asked to speak with a XXXX and they wouldn't let me without giving my email. I asked for proof of the account and They didn't give me any answers. I live in Idaho, this is not my bill and I have never had XXXX XXXX The name and address of the original creditor is : XXXX XXXX XXXX HWY XXXX XXXX. XXXX MD. XXXX I Spoke with the XXXX and they said this creditor address doesn't even exist. I need my name and any information of mine cleared
05/04/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 14424	Web	Older American, Servicemember
IC Systems is for a back power bill from XXXX out of XXXX, NY. {$1600.00} this was removed from My Credit report back in XX/XX/XXXX this bill is from a account from XX/XX/XXXX. I have called XXXX and also IC Systems to make payments and was told NO payments i also sent email 's to both which i do have copy 's of. I have been reporting this to the credit places like XXXX XXXX and ask them to look into this for me but nothing get done and it is still on my report i even sent them showing the emails i sent to XXXX where the Dates of service is on. when i did use XXXX. with my account number still nothing. I have a copy of the the report from XXXX showing this was removed and now i come to you for help with this please.
12/14/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30316	Web	Servicemember
NOTICED ERRORS ON CONSUMER REPORT AND MADE I, C, SYSTEM, INC AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. I.C. SYSTEMS, INC, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT WAS CHARGED OFF BY ORGINAL SO CALLLED CREDITOR AND THEY HAVE NO CONTRACTUAL AGREEMENT WITH ME NOR HAVE THEY EVER 2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS OF A DEBT BEING PAST DUE IN THE AMOUNT OF {$1900.00}. THAT HAS BEEN CHARGED OFF WITH XXXX XXXX XXXX XXXX. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web	Servicemember
Hello, This account is being reported by IC System , Inc from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone XXXX XXXXXXXX XXXX XXXX # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the credit report.
07/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MA 02745	Web
Wrong dates from when account was opened and closed. It shows that it was reported XX/XX/2020. I have not had XXXX XXXX XXXX XXXX in over a year ago. The service was horrible for the cellular service always dropping calls. I had XXXX that if the wind blew too hard I would lose my satellite signal and wouldn't be able to watch TV. I told them that I was not happy with the service I was paying for and canceled the service. I was then told that I needed to return the equipment which I did and they are still trying to get me for {$2400.00}. The service was the worst i have ever had and I would not pay for services that I could not use. All equipment was returned to them in the boxes they supplied with postage paid labels.
06/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75074	Web
I became aware in XX/XX/XXXX that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier. I contacted XXXX XXXX XXXX - the provider in XX/XX/XXXX and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and XXXX and XXXX removed the items. However, XXXX did not ( see attached ). In addition to collecting for a debt that is not owed, this is clearly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
12/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web	Older American, Servicemember
I sent a letter regarding collection sent to I.C. Systems, Inc. on XXXX XX/XX/XXXX. They posted a claim on my credit report sometime in XX/XX/XXXX. I do not owe for cable TV/Internet services from XXXX / XXXX XXXX billed for {$440.00} or {$280.00}. I was divorced in the early XXXX and moved from the address at that time. Under the XXXX XXXX, MI divorce decree, my former wife retained sole ownership of home. She sold the home and moved in XXXX. She passed away XXXX XX/XX/XXXX. I.C, Systems is trying to collect on a debt which supporting document claims was incurred from XX/XX/XXXX through XX/XX/XXXX and due XX/XX/XXXX. My ex wife was dead. Neither I nor her occupied the address during the period of the claimed debt.
09/23/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60629	Web
The company I.C. systems is threatening and attempting to damage my credit By reporting the same credit for the same company on a weekly basis. I have XXXX XXXX and I am getting alerts each week since XX/XX/XXXX in which this company is hitting my credit each week for the same debt. I have the account in dispute from XXXX in which they are charging me for services in which they never rendered. I requested transcripts and the calls to be heard of the multiple times I called disputing the charges to the company for them not giving me the product I requested and was never able to use. The debt collector is now threatening my credit and doing illegal reporting weekly for the same debt. I see this as being abusive action.
03/26/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92506	Web	Older American, Servicemember
I received a debt collection letter from IC System, but their phone number was disconnected. I looked them up on their website and called that phone number, which kept disconnecting me every time I called. I do not know what this debt is for and I can not get any information about it, since none of their phone numbers are valid. I suspect this is fraud, but since it refers to XXXX, I am concerned because someone recently hacked into my bank account and tried to run charges through XXXX. I have not charged anything through XXXX and do not have a XXXX account. Someone is using my identity without my permission and now I am getting collection letters. How do I stop this and make sure my credit is n't adversely affected?
09/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70458	Web	Older American
I have repeated disputes on my credit reports since first discovering the debt in 2019. The collection company keeps resubmitting this debt like a new collection. This continues to drop my credit scores. This collection company should not have the right to repeat a debt as new repeatedly damaging a persons credit scores. I told them when disputed that I didnt know anything about this debt and I had an active current account with XXXX the name on the original collection. XXXX is no longer a cable company. This collection company continues to report as a new collection item. How can a company continue to damage a persons credit score by changing dates like its a new account not paid repeatedly. That should be illegal.
02/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77386	Web	Servicemember
I have continuously disputed this account that IC Systems continues to report that is inaccurate information. I have requested numerous documents to review the alleged debt but only in return got a partial statement that did not detail binding this alleged debt to me. I have proven that the name is incorrect and also that I am not aware of this account nor is this mine. The company continues to report these inaccurate findings and has ruined my reputation and prevented employment in which during the pandemic is slim to none. IC Systems violated numerous. I have detailed all the violations and would like to move forward with punitive damages if the accounts are not removed. I have attached exhibits of the violations.
05/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73012	Web
I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as XXXX. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as IC Systems. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
10/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IA 50320	Web
Account is reporting collection with these account status of derogatory with a balance of {$240.00} with date open XX/XX/XXXX date less active as XX/XX/XXXX. I had previously disputed account as I do not recall having this account active with this creditor for that reason I was asking for them to delete. I am not sure if XXXX XXXX and creditor didnt get my letter because they have not recorded that account has been disputed by consumer and I do see that account on credit report has not change. I have also asked to verify or delete account. I have not received any kind of document stating that this debt belongs to me or that that account has been verified and account continues to report incorrectly on credit report.
01/14/2022	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 Was not notified of investigation status or results	NY 14228	Web
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 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 consumer 's 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.
10/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35749	Web
There is two charges on my credit report from XXXX XXXX XXXX XXXX / I C SYSTEMS one for {$660.00} and the other {$440.00}. The dates open wasXX/XX/XXXX andXX/XX/XXXX. The company has negatively impacted my credit reports.. I have filed a theft of identify report and attached it a police report and updated the XXXX site with a theft of identify statement : XXXX XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$440.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$660.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XX/XX/XXXX
08/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85122	Web
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. Please delete this account immediately from all three credit reporting agencies.
08/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33458	Web
IC System, INC claims they are collecting a debt of {$340.00} for XXXX. XXXX can not produce any documentation with my signature that states I agreed to any two year contract terms with them to validate this debt. They state this is for an early termination fee yet have no signed documents from me stating that I agreed to a 2 year contract when they installed the equipment. IC Systems has no valid signed documentation from XXXX yet they continue to place the collection on my credit report.I have requested from IC System, INC on multiple occasions to either produce documentation with my signature and contract terms to validate the debt or to remove it from my credit report. They failed to do either of these things.
11/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 75253	Web
On XX/XX/XXXX. I received a debt collector letter how much I had to pay. I responded on XX/XX/XXXX. I requested for a validation and still waiting for respond. XX/XX/XXXX I found out it was reported on my credit report. The letter states that I have 30 days if I do n't respond they will report to the credit bureaus. IC System has violated the US Code Title15, Chapter41, SubchaterV- debt collection practices.They reported early to my credit bureaus at the XX/XX/XXXX day. Unfair and false statements. I contacted the credit bureau and sent in the docs and was removed. They do not have the right to do that. I looked in to the company and they really have bad ratings. This company should be fined for improper activity.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
My identity has been stolen along with a possible PPP loan under my business name Small Texas connected entertainment. Copies of my drivers license and social security card have been stolen. Multiple police reports have been made the perps have rerouted my mail back to old addresses I believe to obtain the mail. Also this could include Money laundering drug trafficking human trafficking etc. I moved from XXXX XXXX XXXX back in XXXX of XXXX on my credit report it shows me moving back XX/XX/XXXX. It's been a lot of mail i haven't received. I've found banks accounts with my business name and money transfered. XXXX XXXX bank XXXX XXXX XXXX XXXX cards different insurance policies even looks like a hospital bill maybe.
07/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31520	Web
XXXX XXXX stolen my XXXX XXXX and trying to force me to pay them for the XXXX XXXX which was returned back to them in working condition. XXXX XXXX is trying to collect on a return XXXX XXXX ; the XXXX never worked on their network, I asked to return the XXXX XXXX which was approved by a XXXX XXXX who created the return label, the shipping company was XXXX, the XXXX XXXX was delivered on XX/XX/2022 XXXX. I am receiving repeated collection calls, texts, voice mails, and emails from XXXX XXXX about this XXXX XXXX which was returned. When I call XXXX XXXX the rep from the call center always act as if I never returned the item or they have received the item and will process a credit to my account which never happens.
08/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29169	Web	Servicemember
XXXX XXXX XXXX placed a collection on my credit reports for an amount that was already paid. They then placed it on my report through several collection agencies and it was removed EVERY time because I had to file a complaint through CFPB. It has recently been placed back on my credit reports under a different collection agency. I am requesting that action be taken immediately to remove the collection from all of my credit reports once again. I would also like action taken from the FTC, because that is where this complaint will be forwarded, to have XXXX XXXX XXXX fined or reprimanded in whatever way the FTC sees fit because I am beyond frustrated with this affecting my credit! Please have it removed immediately!
03/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37064	Web
I received an alert from XXXX Credit Reporting about this item. IC collections report a debt that was found out to not be me. They had no social security information on me as well as no Date of Birth information incorrect addresses. I spoke with a XXXX XXXX Hospital RepXXXX that verified with me that they do not collect Social Security Information or personal id information. The rep. also verified for me that there are 2 dates of service totally the amount of the debt. Also confirmed for me the person the debt belonged to was a person who lives XXXX, TN. This company has harrassed my parents home phone as well as my personal phone. XXXX an Item to a credit bureau on a person that did not verify there information.
04/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32505	Web
Updated I.C. SYSTEM, INC Account XXXX I've disputed this debt and yet it keeps coming back it's mine. The debt itself is for medical services. I have now and had at time of the noted debt insurance which I already sent documentation of. My insurance is provided by XXXX and I have no share of cost. I didn't visit any emergency treatment on the date in question, and if I had I would have used my insurance benefits. I have 3 of these on my account so.c system XXXX XXXX ( which I never heard of nor is there one in my city of residence ) and the last one isn't mine. I want these off my credit report. If you need copies of my insurance for the dates these were all established on please let me know so I can submit more.
04/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 610XX	Web
This account was already paid before another collection agency received this debt from XXXX. Basically this account was sent to collections ( XXXX XXXX XXXX ) in error. This account was paid. We did get this removed through the dispute process, then XXXX XXXX XXXX obviously and illegally sold it to XXXX. XXXX, in which is not on my credit report ; which it should not be. The attachment i am going to upload is a screenshot of the original collection that was removed, due to it being paid before it was sent to collections. I am sure you will see the similarities. Please help me remove this because i am sick and tired of this paid account that should have never went to collections in the first place. Thank you
10/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 606XX	Web
I use to have an account with XXXX under the name XXXX XXXX when I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. I no longer live there as of XXXX when my account was closed with a balance of XXXX. I moved into a different unit and switched to a different wifi company and have not used XXXX XXXX in months as the service was no longer available, my account was closed, there was no way to log into that account. Then I started receiving these bills. I have reached out to XXXX customer service multiple times and nobody ever has a valid answer for me. I asked if there is any account I can log into too and they told me no because the account no longer exists yet I am still receiving bills totaling {$510.00}??
09/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43613	Web
I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} I C SYSTEM INC XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
04/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92240	Web	Older American
I received a letter from I.C.System, a collection agency, XX/XX/2021, demanding that I pay THEM {$59.00}, naming the creditor as XXXX account No : XXXX. I.C. System XXXX XXXX : XXXX. I called XXXX, talked to a representative called XXXX, who informed me they had NO information regarding the {$59.00}, and that my account was current. I called I.C.Systems XXXX XXXX XXXX XXXX to dispute the billing. The rep informed me that they had received the request from XXXX 14 days ago. Obviously, not true. When I called him a scammer, he replied " I'm sorry you feel that way ', and hung up Their address is : I.C.Systems, XXXX XXXX XXXX, XXXX XXXX, MN XXXX I don't have an account with you, but my e-mail address is XXXX XXXX
03/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85323	Web
I am a victim of identity theft. The tradeline, which appears on my credit report from I.C. SYSTEM, INC/XXXX XXXX last reported XX/XX/XXXX in the amount of {$160.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both I.C. SYSTEM, INC/XXXX XXXX individually and have not received any reply back
02/11/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85248	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44105	Web
My personal information was stolen 2020, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The account is : XXXX XXXX
11/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 453XX	Web
I closed my account with XXXX before moving from my apartment last year, sent back all equipment and paid all of the bills due. Almost a year later with no communication from XXXX, a collection for {$340.00} showed up on my credit report. I don't know where this came from or how it could possibly be mine. The collection is the XXXX XXXX XXXX and after disputing through XXXX it came back that the account is accurate with no further information. I called the collections company and they said it is from when I closed my account. I have contacted an attorney and they said that a lot of times these are from equipment but I do not have the serial number still as it was over a year ago that I sent the equipment back.
10/19/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98226	Web
I transferred my cell phone service away from XXXX ( XXXX ). Upon transferring all three of the lines on my account, I was unable to access my online account. I was set up for paperless billing, in which the only way to access bills is through the online account. Since I was unable to access the online account due to no longer having active service, I expected that I would receive a final bill from XXXX. I never received a final bill and suddenly a collection was on my credit reports. I contacted XXXX several times requesting a final bill be mailed to me. They promised me each time that it would be sent, but I have yet to receive the bill and I have no way to verify what charges are being billed to me and why.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77063	Web
I am a victim of identity theft my personal information was used without my permission to open a fraudulent account and XXXX credit inquiries. I have filed a police report with the XXXX Texas police department, contacted the furnishers of this data and submitted a federal trade commission Identity theft affadavit in attempt to get this inaccurate information deleted from my XXXX credit report! I demand that action be taken immediately to move forward with deletion of fraudulent data from my credit report! Fraudulent account Ic system opened XX/XX/2021 XXXX : {$1100.00} account number : XXXX fraudulent inquiries XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXe XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
04/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ XXXXX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
05/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28025	Web
I received a letter from I.C. System Inc. last month that displayed a balance of {$180.00}, I sent a cease and desist letter advising that I wanted to communicate with the original creditor in which is XXXX. I noticed today that this account has been placed on my credit reports. In doing further research about this company I.C. System Inc. that purchased this account from XXXX, they currently don't hold a Collection Agency License, their license was surrendered on XX/XX/2010. I am demanding for this account to be removed from my credit reports immediately. They have violated the NC law that requires entities who engage in the collection agency business and or solicit debt must hold a Collection Agency License.
10/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44120	Web
On XXXX I faxed a cease and desist letter to i c system @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against i c system. I requested that i c system send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from i c system and they failed to do so. There is XXXX accounts that this collection agency is harassing me about REF # XXXX. Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. I need signed documentation with my signature on it.
04/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10032	Web	Servicemember
I recently applied for an Auto Loan and As I was getting my credit report read back to me I noticed that I had a collection debt with a company called I C SYSTEM for a XXXX XXXX account. I called XXXX to verify this account and I was told that this was opened under a fraud account with my name and address. I spoke to an agent at XXXX and I was told that I would not be liable for this account because it was a fraud account. I tried reaching out to I C SYSTEM the supposed collection agency and I get yelled at also cursing at me and they keep hanging up the phone on me. I need this removed out of my credit report from all three credit agencies in order for me to apply for my auto loan. I need someone to help me.
06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WA 98119	Web
As of today, XXXX XXXX, 2016 I pulled my credit with XXXX and noticed that a new collection has been placed on my account. I also noticed that this was under a name and address not associated with me. I have recently, as of XXXX XXXX filed multiple complaints with the CFPB, FTC and all three ( XXXX, XXXX and XXXX ) concerning identity theft. I also understand that the original creditor is XXXX XXXX XXXX, to which I have never had an account. My wife and I have always split our utilities and she has always had XXXX XXXX XXXX in her name. Even so, her name as is mine, is not similar to the name being reported on my credit report. This needs to be removed immediately because this is indicative of identity theft.
03/24/2023	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	AR 72113	Web
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as XXXX XXXX XXXX and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 149XX	Web
I.C.SYSTEM INC. is reporting a debt owed to XXXX for {$910.00} and I never had any accounts with XXXX. I wrote a letter to I.C. Systems and requested validation of the debt. I requested a copy of my signature on the contract they should have. All I got from them was a statement from I.C. Systems that that is verification and a statement from XXXX with bill period of XX/XX/XXXX- XX/XX/2017. These statements only have my name and address. No proof I incurred the debt and or if I am the right XXXX XXXX. I've never XXXX or XXXX XXXX as they show. I only use prepay phones through XXXX. Before finding this on my credit file. No one has sent me letters or attempted to contact me before listing it on my credit file.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 225XX	Web
I recently obtained a copy of my credit report and noticed that there is information reported inaccurately. I disputed these items : XXXX XXXX XXXX, IC System inc, XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I mailed out dispute letters to XXXX, XXXX and XXXX stating all 3 of those items were incorrect and if not verified item needs to be deleted and removed. It has been XXXX days and I have not yet received any feed back from all the companies. I need all items to now be deleted and removed. I have been denied credit cards ( to help build my credit score ) a loan program for a home for my children and me. This inaccurate credit report has impacted my life negatively. This must be deleted and removed. Thank you.
08/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ID 83607	Web	Servicemember
I C System Inc. formally XXXX XXXX XXXX XXXX XXXX states that I owe them XXXX. I do not owe them any money at all. I told them to cancel XXXX XXXX and the account and they did cancel it and they still charged me XXXX which they say that I owed them which I never did.I told them I did not owe them any money and they said I did. I do not owe them any money and will not pay them. They constantly were going against their word and constantly charging me money I did not owe them. I cancelled the account and they continue to report on my credit history. I do not owe them anything. Take this illegal reporting of my credit off my credit report. It is being reported twice by I C System INC and XXXX XXXX XXXX XXXX XXXX
11/24/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	DC XXXXX	Web
I sent, as directed by IC Systems and XXXX XXXX, a dispute of debt with XXXX XXXX XXXX I included a copy of an email sending all of the equipment back to XXXX XXXX over 11 months ago. I included pictures of the equipment, and I included the actual date of return of the equipment. I didn't get a reply to the notification as I sent it and sent another notification to the XXXX and IC Systems via US Mail, Registered receipt. I sent the first notice on XX/XX/23 and the second notice after I learned IC System put a derogatory remark on my credit report. XXXX XXXX XXXX NOR IC Syste has validated the debt, gave an alist of charges owed and how allegedly incurred the actual contract, and other pertinent data.
01/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84081	Web
IC System Inc XXXX repeatedly collecting the same amount that I HAVE DISPUTED WITH XXXX CREDIT BUREAU back on May 27the 2020 this bills with the original creditor belongs to XXXX. I disputed this account because I never have anything open with XXXX lI never have any Phone etc with XXXX Never Never had anything to do with XXXXl no past account or No previous account. XXXX I.C system INC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone XXXX Report number XXXX Im disputed this again with XXXX the same thing it shows Potentally Negative by XXXX even XXXXhough I disputed it XXXX reported my credit is a Potentially Negative ... how they report this uncorrected information while Im disputing this is not my account.
06/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77004	Web
IC Systems is blatantly in violation of the Health Insurance Portability and Accountability Act ( HIPPA ). I have reached out to them directly as they have willfully chosen to share private information associated with my medical care, medical history and transaction with several consumer reporting agencies without ever having my consent. Additionally, this company is in direct violation of the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 3 ) which explicitly states any medical information and individualized lists or descriptions based on the payment transactions must be excluded from my consumer report. This company is violating this federal law with impunity and needs to be held accountable immediately.
02/27/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 452XX	Web
The original debtor is XXXX XXXX it was sold to ic systems in XXXX XXXX MNXXXX.Debt occurred in XX/XX/XXXX. I called XXXX XXXX to suspend my services because I was being forced to move. I made a payment to my bill of XXXX leaving me with the amount of XXXX left due. I was told by the rep that my services would be suspended for a year and to call back in XX/XX/XXXX to see my other options because I was on a contract at the time. The next month XXXX was taken out of my XXXX account so the account was paid in full. A year later I call back and was told that the account was never suspended because of the XXXX balance at the time of the suspension something that I didn't know and account was paid off in full.
10/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
XXXX contacted me by phone about an utility bill for a home which I have NEVER lived in. I told XXXX rep that was not my debt, they mailed me a package with bills for a home in XXXX NY. I have NEVER lived in XXXX at such address. Today XXXX I received bill from a Collection Agency which I don't even know whey they took this debt without verifying if it was mine! I don't want ANY collection agency harrassing me for a bill that is NOT mine! I need this company to stop communication with me immediately and remove this debt from their file! This is NOT my bill and XXXX knows that! They also claim its from XXXX I lived in XXXX in XXXX This is an OLD debt past statue of limitation in NY and its also NOT my debt.
01/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34684	Web
I received a collection notice from IC solutions reference a disputed XXXX cable bill which was not incurred. The collection agency did not care. XXXX tried to bill for services when I did not live in the residence and services were cancelled and equipment was returned. The ongoing dispute was that they were charging me for cable and internet when I only had internet service. This was an ongoing dispute with spectrum. Depending on whom you talked to it was resolved and then reoccurred on the billing. You had to spend hours on the phone with them each and every time. I told IC Solutions and mailed them I did not incur the bill. I ask that this collection be removed from my credit report asap. XXXX XXXX
01/15/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	UT 84105	Web
They are calling asking me if I know person A. I told them I dated her for three months back in XX/XX/2017 and haven't seen her since. I asked them to not contact me again regarding the matter as I can be no help to them and at this point they are wasting their time and mine. The next day I received a call from the same company asking the same questions. I had the phone on speaker and my current girlfriend was speaking in the background. The caller asked if that was person A and I said no. She then said it was suspicious and concerned her. This amateur detective game she is playing is honestly offensive as she essentially accused me of lying and is a pathetic tactic to try to get someone to work with you.
01/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18020	Web
The company I.C. SYSTEM INC. has a dept on my credit report for {$1600.00}. After doing research I found out that someone stole my social security number and opened up an XXXX account under the name XXXX XXXX. They also used a XXXX XXXX XXXX which I never owned. They opened up the account in XXXX XXXX back in 2011, Which I was living in XXXX XXXX. I found out by the XXXX company that that person was using a stolen Credit Card to pay for the account. The account was closed and was sent to the dept collection agency.. So that person used a fake name with my social. I want to dispute this off of my credit report, because never mine, and the account was opened up illegally. I never went by the name XXXX XXXX.
01/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web
Hello, MY NAME IS XXXX XXXX XXXX. Upon reviewing my credit report I realized that IC SYSTEMS is being reported as a closed/charged off account in the amount of {$980.00}. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a 1099C from IC SYSTEMS. This is a violation of 15 USC 1681eb. I NEVER GAVE PERMISSION FOR MY PERSONAL INFO TO BE SOLD TO ANY COMPANIES. I DO NOT HAVE ANY CONTRACTS WITH IC SYSTEMS, WITH MY SIGNATURE ON IT. IC SYSTEMS SHOULD NOT BE REPORTING ANYTHING ON ME TO THE BUREAUS.THIS IS IDENTITY THEFT. I demand that this inaccurate information be removed from all 3 credit reports.
03/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37206	Web
Hi, I've had a recurring hit on my credit report and multiple attempts by different debt collectors related to a falsely charged debt with XXXX XXXX XXXX. Seemingly the company kept my name on an account after I had repeatedly attempted to clarify the mistake and the next tenant did nothing to rectify the error. The following tenant was enjoying free services after I had written and called attempting to close these services with XXXX XXXX XXXX multiple times. The collection has been thrown out several times by different collectors and continues to make the rounds, this time with IC Systems. I've been working on this for close to a decade with no results and have filed multiple disputes with Transunion.
04/11/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	UT 84065	Web
IC System has been calling me every day for weeks. This is allowable. However I have answered the call 2x. The first time the call took several seconds to connect then once connected it dropped immediately ( XXXX ) - a violation of the TCPA worth {$500.00} minimum as it is apparent they are using an autodialer. Today I answered the call and the agent refused to identify herself and failed to provide the miranda statement after asking for my wife. I called back and the agent told me they do not have to identify themselves unless they know who they are calling. I escalated to a supervisor who LITERALLY tried to collect a debt without giving the miranda after finding out who I was, I hung up on the call.
06/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78665	Web
After reviewing my credit report, I noticed I.C. SYSTEM, INC at, XXXX XXXX XXXX XXXX XXXX, MN XXXX, PHONE # ( XXXX ) XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. In accordance with the fair credit reporting act : XXXX account # XXXX I.C. SYSTEM, INC, has violated my rights. 1 5 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
04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
IC System ( https : //www.icsystem.com/ ) is calling me multiple times a day, claiming they're trying to collect a debt on behalf of XXXX. They are also calling me at night. I do not owe this money -- I have never been a client of XXXX. I asked IC System for verification of the debt, and they said that they could not send me verification. I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. They have already processed a fraud claim. This is the third collection agency that has harassed me about debt to XXXX. The last one was back only two months ago. IC System uses aggressive tactics and refuses to provide proof of debt.
04/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20774	Web	Servicemember
An account I had through XXXX was sent to collections in XXXX, I then paid the balance of {$270.00} through their collection agency XXXX on XX/XX/XXXX. On XX/XX/XXXX a collections account was placed on my credit by the company I C System INC, a collection agency with XXXX, for the same amount of {$270.00}. When I contacted XXXX about this several times during the week of XXXX XXXX they stated that in their system my balance was XXXX and to contact the collection agency directly, along with disputing the item on my credit. I did both to no avail as the collection agency stated they would need confirmation from XXXX that the debt was settled and the dispute continues to come back as accurate information.
04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30078	Web
A credit report XXXX shows a a collections account with IC Systems for {$1600.00}. When I called them I was told it was a XXXX XXXX account in XXXX XXXX. The XXXX report says the account was opened XX/XX/2020 with an account # XXXX. I have not lived or done business in LA and have not visited in over 10 years. The name on the account did not accurately match mine and the address is one that is not associated with my name in any way. I was part of the XXXX breach and have had considerable problems with ID theft since then and have had a credit freeze and monitoring in place. I never received a bill, invoice, or collection notice at my legal address. I am not personally responsible for this account
10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29579	Web	Older American
I informed ICS collection back in XXXX and also I put it in writing that I do not owe XXXX {$77.00} which they have now put this information on my credit file for XXXX. I have an active account with XXXX more than 5 years with no outstanding debt. ICS refused to take this information off my account which brought my credit score down in the mist of me trying to buy a house. This company is placing false information on my credit report and causes my credit score to drop. Please advise me on what I can do @ this time. I would pay this {$77.00} but I do not owe XXXX anything other than my monthly bill. Please advise me what I can do at this time. My phone # is XXXX and their information is XXXX acct # XXXX
10/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33176	Web
I had power with XXXX in New York when I sold my house. I paid the bill on time and 12 months later I reported to the credit bureas by a collection agency. After sending numerous letters and calling XXXX many times the collection was removed. No 11 months later the same account appears again from a different collection company. Same account. Same amount. This was already removed from the bureaus and should not be put back on when it is removed per dispute. I am trying to refinance a loan and this is causing me to have to pay higher fees & interest rate. I have already contacted the credit bureau and ask that they remove it as well. You should n't allow collection agencies to abuse on people this way.
06/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27707	Web
Had an account with XXXX XXXX XXXX in 2016. During that time XXXX XXXX XXXX had messed up on billing and waived the charge for the modem due to multiple phone calls that had to be made and the miss communication. Since that time IC Systems took over the account. I have reported this as incorrect multiple times and have also talked with XXXX XXXX XXXX on 3 different occasions which they found the information in their notes of the waived charge. They have been asked on multiple occasions to correct this yet 2 years later it is still on my credit report but I have not heard anything this entire time from IC Systems. This is hurting my credit for a debt that is not owed. Would like resolution immediately.
11/02/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00926	Web	Older American
Reported the incorrect debt to XXXX ( XXXX XXXX ) on XX/XX/XXXX. Spoke to a service rep and answered all information required. She told me that the debt was originated from someone and/or service on XXXX XXXX XXXX XXXX, TN on account num ber XXXX. I told her that i had always lived in XXXX XXXX XXXX and never been on TN. She mentioned that this looks like a typical ID theft and opened a dispute case for me. XXXX XXXX ( XXXX ) fraud dispute case number XXXX. Initially discovered the issue when looking to my credit report on XXXX where i opened a dispute on report number XXXX. The debt was reported to the Credit Burreau by I C Systems INC on XX/XX/XXXX account number XXXX for the amount of {$1100.00}
10/16/2020	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	VA 23060	Web
I had an account with ic collections agency for circa {$260.00}. I saw that the original creditor was XXXX and they informed me the amount was {$340.00}. So I paid them on XX/XX/XXXX. I disputed the amount both with the company and the 3 bureaus. Both XXXX and XXXX updated it to XXXX $ while XXXX correctly knocked the debt for inaccuracies off. I have since disputed every month with both bureaus, and the collections agency, and they report this collections is somehow valid and active. I've disputed with the company with the receipt only to be ignored. The agency has shown inaccuracies in the dates, failure to communicate, inaccuracies in their reported amounts, and failure to acknowledge my receipt.
10/04/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	OH 45013	Web
In XX/XX/XXXX, I was called by I.C. System Inc. Regarding an alleged debt for XXXX. I demanded that they validate the debt and requested that they pro idea me with the original purchase agreement to prove they own the debt, their business license to prove they have legal authority to do business in Ohio, and their Ohio debt collector license. I was never sent anything in writing regarding the alleged debt, nor was I notified that I could dispute the debt. On XX/XX/XXXX, more than 30 days after I demanded validation of debt, I.C. System Inc. reported the collection on my XXXX XXXX file. I attempted to contact them at the number provided on my credit report : XXXX, but received an error message.
02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
This fraudulent XXXX XXXX account was removed from my credit in in XXXX, months after it was reported in XXXX of XXXX. As a result of identity theft, XXXX and XXXX XXXX ( third party collection agency at the time ) confirmed the account was fraudulent and deleted the account from my credit reports. In XXXX of XXXX XXXX sent this same account into collections again and IC SYSTEMS ( a current third party collection agency ) has reported this to my credit once again. Negatively impacting my scores with fraudulent information, XXXX and IC SYSTEMS continue to attempt to collect debt on this fraudulent account. This is against the law. If this is not resolved immediately I will be seeking legal remedies
08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28110	Web
This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from XXXX XXXX XXXX with an open date of XX/XX/2018. I did not open an account with XXXX XXXX XXXX or any original creditor. The original creditor listed does not provide services in my city or state. This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company I C SYSTEM INC sold it to another collection company after it could not be validated. This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
12/01/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OK 738XX	Web
On XXXX XXXX at roughly XXXX XXXX I was contacted at work by XXXX from a company called IC Systems. She gave a total sum of {$650.00} that she claimed I owed on an Account number ; however when I asked what the debt pertained to and requested her agency to send verification of debt from original creditor she refused to comply saying all debt is digitally submitted and she did not have that information. Then countered that I could pay {$470.00} to her agency between now and Friday or they would take further action. She gave contact info as XXXX ext XXXX. As i continued to try and verify information about her collection attempts I was told to submit payment to an address in XXXX ; XXXX XXXX, Minnesota
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60652	Web
XXXX/ I.c . System is reporting and u verified collection on credit report by I.C. SYSTEM, INC in the amount of XXXX. Both XXXX and I.c. System are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. The was no written form of communication contact or signature the accused debt at all. They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
08/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98058	Web
i c system has been trying to collect a debt that i do not owe, the original creditor is XXXX XXXX XXXX. i moved out of an apartment i legally followed every step so that i would not be liable for any bills, i did so, i was contacted by XXXX XXXX XXXX about the debt, who i also told I am not responsible for this debt an that they need to take it up with the people who still live there, legally i followed the law and did what i needed to, on XX/XX/XXXXi filed a dispute with transition on ic systems i still have n't heard anything back, they claim i owe {$97.00} which i do n't i also filed another dispute which came back negative, they say ic system has refused to give them any information or respond
11/03/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 336XX	Web
I visited the neurologist for a regular appointment. XXXX XXXX XXXX told me there was nothing wrong with me then said I had XXXX and sent me on my way ( he misdiagnosed me because other neurologist later determined I had small XXXX XXXX XXXX. My insurance company paid them everything that was owed per their agreement for this type of visit. They are charging a predatory consultation fee of {$500.00} because they said the appointment and services rendered took a long time. It was a standard appointment. This doctor is knowingly creating false bills as my insurance company has reached out several times to explain why he can not bill this per their agreement and he disregards their contractual terms.
12/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22207	Web
I saw a credit alert on my account on XX/XX/2020. I contacted the company that listed it ( IC System ). After a series of phone calls, they had not done anything to provide information on payment, so I sent a registered letter on XX/XX/2020. I had not received a response by XX/XX/2020 and filed a complaint with the XX/XX/XXXX IC System responded to that complaint saying they had sent a letter to me on XX/XX/2020. I received that letter today ( XX/XX/XXXX ) - attached. It does not address the specific questions I asked. They are not being responsive. And, in the meantime, I am trying to resolve this in good faith, but can not proceed without answers from them. How are they being held accountable?
02/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 310XX	Web
IC Systems contacted me about a bill and I requested an itemized statement but was told no, they said they were sending a fraud packet, and it was never received, thereafter IC Systems added the bill to my credit report, despite knowing there was a dispute and they have no billing statements or other information, except to say my last name is " XXXX '' and then today when I contacted them, it is suddenly XXXX, but still no itemized statement or other information. I asked for the phone number of the XXXX where they received the collection and the woman stated, we don't contact our clients and we don't have a phone number. I asked to speak to the owner-operator and they say he doesn't take calls.
11/30/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78759	Web	Servicemember
I received a collection letter for a medical bill. When i went to pay online there were 3 options. E-check, credit card, or HSA. When I attempted to use the E-check option, it failed to process 3 times, and directed me to call customer service. To avoid long wait times on the phone, I ended up paying by credit card, which included a {$23.00} convinience fee for a {$390.00} bill. The transaction fee seems predatory because I don't know of a single credit card company that charges an almost 6 % transaction fee. Although, they gave the option to pay by bank account, it almost felt like the option was set up to fail so that people would default to paying by credit card, and paying the exorbitant fee.
08/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48185	Web
During A vacation to XXXX XXXX Nevada My identification along with other documents were lost XXXX - XXXX - XXXX I discovered My identity had been stolen after a mortgage application in XXXX - XXXX Prior to this I assumed I have contacted XXXX XXXX on multiple occasions about this problem as they are listed as the original creditor why they are sharing my ssn information with multiple different entities when i never permitted them to obtain this information in the first place is extremely illegal they keep reporting the debt under different shell companies or collection agencies ( XXXX XXXX ) & ( I C SYSTEM ) This will be my first time reaching out to first progress credit card about this scenario
11/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72113	Web
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to I C System which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. I C System has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of I C System. I C System is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
11/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19151	Web
More than 8 years ago. I had cable services. I was having severe finacial problems at that time and I couldn't afford cable services anymore, so the cable company canceled my services. I ask if they wanted there equiment/cable boxes back and they refused to take back the equipment/boxes so they charged me for the boxes. This debt was apart of my bankrupcty. The XXXX XXXX XXXX put my account in collections and it appears they are charging me for the equipment so they are refusing to remove the debt from my credit report. The debt collection agency or the cable company changed the date to XXXX 2018 to keep it on my credit report This is not fair. Please help me in resolving this problem. Thank You
04/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07106	Web
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2018 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to I.C. SYSTEM, INC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent I.C. SYSTEM, INC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. I.C. SYSTEM, INC is now civilly and criminally liable for violating my consumer rights. I.C. SYSTEM, INC union has yet to resolve this matter.
09/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33603	Web
on XX/XX/XXXX I Called IC System after being notified by XXXX XXXX that my score fell 60 points due to their inaccurate reporting on my credit report stating i ower {$230.00}. This is the second time Spectrum has attempted to collect this fraudulent account from me. The first collection attempt was removed from my credit file in XXXX after writing numerous letters to spectrum asking for Validation of this account and telling them this was a fraudulent account. I have been requesting for IC System to submit validation of this account since XX/XX/XXXX. I have sent 2 letters by mail and no one has replied back to me. I have since placed my account of fraudulent watch with all 3 credit agencies
12/31/2020	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 33598	Web
IC Systems has been allowed to report negatively on my credit report, weekly since XX/XX/XXXX. Once I noticed how often each occurrence, I disputed each action with XX/XX/XXXX. Each action was corrected ; however, they are still allowed to report within a week of filing reporting negatively on a debt owed on my credit with one week of the first. Their reporting dates are as follows : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is excessive flagging my credit with three corrections made fromXX/XX/XXXX. I am not disputing the debt, but I am fighting for my rights u see FCRA flagging an my credit report excessively in three months.
08/15/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NC 28214	Web
I.C. System Inc. ( bda ) XXXX, XXXX XXXX XXXX is in Violation of 15 U.S. C. 1692-1692P On XX/XX/2018 ( I ) XXXX XXXX received a call at work from a Mr. XXXX XXXX ; in violation of 15 U.S.C 1692 C ( a ) ( 3 ). I was unable to talk at the time, so i called back and spoke to a young lady about why was i called. I was then transferred to a Mr. XXXX XXXX who was both abusive and oppressive with me, in violation of 15 U.S.C 1692d. Mr. XXXX also used obscene language with me, in violation of 15 U.S.C. 1692d ( 2 ) and i asked him to end the call and he didn't. I ask Mr. XXXX to remove my phone number and to state that i would not receive any further call and he would not agree to do what was asked.
07/09/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48310	Web
IC Systems has put a negative mark on my credit report for a debt that not only was not owed but is also beyond the statute of limitations for the State of Michigan. My credit score is has been negatively impacted by 34 points, and this is tantamount to extortion. The information from my credit report is found below : I C SYSTEM INC XXXX XXXX XXXX XX/XX/2019{$360.00} {$360.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX threatened to enter a negative mark on my credit report if their equipment was not returned when I cancelled their service, it was, and I've been harrassed by these hellions ever since. How do I make this stop and remove this none sense from my credit report?
09/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NE 68164	Web
I have disputed this debt plenty of times and have actually had it removed before and now a different company has bought the debt and the amount has changed along with the actual reporting practice to the credit reporting bureaus XX/XX/XXXX it was removed from my file through me disputing it then it reappeared under a different agency in XX/XX/XXXX for a different amount i disputed it again and was successful. the debt returned in XX/XX/XXXX as well as XXXX it was on my report from 2 different companies and 1 company was removed inXX/XX/XXXX i am wanting this removed from all 3 of the credit reporting agencies for illegal practices and also validation as this address is not valid on my reports
11/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32164	Web
I wrote a personal letter certified to XXXX XXXX head Quarters about a bill for {$380.00} suggested by a direct tv supervisor in XXXX, my letter was delivered on the XXXX of XXXX, I called IC System to dispute the collection and I am getting know where. I made the last payment with Direct Tv and Returned there equipment, when I ask to do so to close the accoun, why I was getting billed they said it was there mistake and they would credit my account in good standings and now this matter has been hurting my credit report and it should be paid in full can you please help me so I can a letter to all 3 credit bureau to get this matter behind me. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
03/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 335XX	Web	Servicemember
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1200.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
10/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 302XX	Web
I.C Systems, INC is reporting a frivolous debt on my credit files in which I do not owe them. I have never in my life done any type of business with this company nor is there a contract that is binding me to this company. I have asked them to provide me with a copy of the legal contract with my wet ink signature and the wet ink signature of the company 's representative that shows that I entered into some type of business dealing with them but I was not provided that info. I have also asked them to delete this frivolous debt from my credit in which it still remains. I have never received any sum of money nor merchandise from this company so therefore I do not owe this company any money.
09/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20019	Web
Back in XXXX Ive received a bill from XXXX, I called then and explained to them that this isnt my bill and they told me that they couldnt put someone else bill in my name. I filed a police report and found out that the bill belongs to someone else with the same first name, middle initial, and last name as me. The detective have not contacted me back since then and Ive tried calling and still wasnt able to speak with the detective. This year I checked my credit report and seen that the bill was still there. I disputed it over the phone and they havent removed it but they gave me a shorter date for it to close. There is also a address connected to this bill on my report that Ive never lived at.
05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 900XX	Web
This is a fake account. This company first called me in early XXXX claiming that I had owed money to XXXX from a debt at an address I haven't lived at since XXXX. They claimed that the debt was from XXXX. When I told them what address I am currently at, they then updated this fake collections account with my new address. During the call, I explained to them that not only can I prove I had XXXX XXXX XXXX XXXX internet during the time period they claimed, but that XXXX isn't even offered in the area I am in. As soon as they heard that, they suddenly hung up the phone, but I am outright shocked that they were dumb enough to put this fraudulent, fake collections account on my credit report!!
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76052	Web
This is the 4th attempt to prove again, that this charge from XXXX XXXX is not mine! Every 6 months or so, we receive a notice from another credit agency stating we owe this same amount. We've filed 3 complaints and each time the company agrees it is NOT our debt. IC lists account XXXX and ACCT XXXX {$2800.00}. We've even completed a fraud packet through XXXX XXXX XXXX, but it doesn't stop this nonsense. Called IC spoke to XXXX XXXX, clearly was reading a script. Told me I would have to send the actual police report not just a case #. Not sure how they can continue to sell, transfer or whatever happens to send debt that is clearly NOT mine again and again. We've done all the correct steps.
08/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 456XX	Web
I XXXX XXXX am writing this to inform you of your failure to send me a notification before putting this on my consumer report. I never received any documents pertaining to nthis alleged debt. This is a violation of my consumer rights. You don't have the authority o add something to my report without written notice and my consent. Pursuant to 15 usc 1692b ( 2 ) you cant state that I the consumer owes any debt. Also Pursuant to 15 usc 1692a ( 5 ) Debt means any obligation or alleged obligation. I am the original creditor Pursuant 15 usc 1692a ( 4 ) and only I can validate this debt. I am the natural person and the consumer and only I can validate this debt in which I DO NOT validate this debt.
07/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48322	Web
I had an outstanding bill with XXXX. The bill was directly paid through XXXX. IC Systems reported a collection account on my credit attempting to collect the same debt through XXXX. When I spoke to a supervisor at IC Systems, I requested that the collection be removed from my credit because I did NOT pay IC Systems. Rather than IC Systems removing the collection account they sent me a receipt stating that I paid a balance in full of {$1200.00} to them. Which is false. I never agreed to paying IC Systems, i never paid IC Systems. The payment was with XXXX and ONLY XXXX. This has negatively impacted my credit by lowering it more than 30 points, which has also risked my purchase of a new home!!
08/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75104	Web
I C systems collection agency XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX contact number XXXX and XXXX Ext XXXX. I contacted them on XX/XX/2018 about the XXXX account reference number XXXX for {$230.00} to see why it is still showing on my credit and have not been able to speak with a person that can help me. The initial agent that I got on the phone gave me the above number and extension but I was unable to reach the extension without being disconnected. I called XXXX back and they verify a {$0.00} balance since I never used the services but are unable to assist because the debt was sold to IC SYstems. I need some assistance getting through and getting this item removed off of my credit.
06/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97801	Web
In 2017 I contacted an internet provider over the phone to set up WiFi services in my home. When the installation employee showed up he informed me he was unable to install that companys equipment due to some technical limitation on their part. Services were supposed to be cancelled. I used another internet provider, and never received any services from this company. Even so, I continued to receive bills from them, and I spent many hours calling them to dispute this, only to keep being transferred, and hung up on. Ultimately, this fraudulent account was acquired by IC SYSTEM for debt collection and reported on my credit. I never received services from this company, I am do not owe this debt.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10030	Web
This debt collection company placed a account on my XXXX account in XXXX i disputed it because i am unaware of who they are or who they work for. I requested documents showing the contract they are stating i broke by missed payments and details on the amount i am said to owe. They removed the account from XXXX without any of this information and have now added it to XXXX without still not providing any documents supporting this is my account and they have the right to collect a debt from me. They are ruining my credit worthiness. And i have a block on my XXXX it is disturbing that people can insert information on my consumer profile without my knowledge or consent which is against the fcra
10/26/2022	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	GA 30297	Web
I have a negative remark on my credit report. A bill that was paid over a year ago. I have confirmed with both the Family practice and the collections dept that the bill was paid, yet still a year later, it remains on my report. When filing a claim dispute with XXXX, they claim that the info on my report was accurate, which leads me to believe this is just a generated response, because they obviously did not investigate at all. This item has affected my credit score for over a year now and my next step is legal action towards transunion. The negative on my report is with IC Systems for {$880.00} from XXXX XXXX XXXX and again, this bill was paid in XXXX of 2021. Thank you for your time. XXXX
09/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77583	Web
I have been disputing this account for some time now with IC SYSTEMS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
08/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 92057	Web
Hi, I want to file a complaint against IC Systems XXXX for a medical bill of {$640.00} that I asked a debt validation for. I sent the letter to them on XX/XX/2021 through certified mail and the date that it was received by them was XX/XX/2021 at XXXX. I also requested that they don't report anything to the credit bureaus until this debt was validated and they ignored my request by updating information and reporting this debt again to the credit bureaus, instead of validating the debt. There has been no written communication or validation of debt from this company and it has been over 30 days. Please delete this information from my credit file and cease all collection activities immediately.
10/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43230	Web
Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX # XXXX -XXXX XXXX, XXXX. # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX # XXXX -XXXX # XXXX -I.C. SYSTEM, INC # XXXX -I.C. SYSTEM, INC # XXXX -XXXX XXXX # XXXX
08/31/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78745	Web
IC systems which is a debt Collector for XXXX XXXX XXXX XXXX is saying that I opened an account in XXXX. I have not had XXXX since XXXX. The account went into collections in XXXX. They are trying to say I had a XXXX account in XXXX which is false. In the account for {$510.00} went to collections in XXXX, Then it has been over seven years and it should be removed from my credit. I do not keep documentation that its over nine years old. They refused to provide documentation stating that I opened an account in XXXX, because they know its not true. They have no such paperwork in my name because I have not had an account with them since XXXX. This needs to be removed from my account immediately.
06/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48134	Web
XX/XX/XXXX IC SYSTEMS INC placed a collection account on my credit bureau reports for {$320.00}. I wasnt contacted by this collection agency or notified of this. I never owed the debt claimed, there was a clerical error in XX/XX/2017that I provided proof it was a mistake resulting in being fully resolved. I now have a new collection agency attempting to collect an old debt, never owed from 3 1/2 years ago. I filed disputes with XXXX & XXXX with no result. There isnt any way to LEGALLY document proof of this debt because I never had an account with XXXX during the time period. I had an account with XXXX XXXX before they were bought out or merged ( not sure of specific business standing ).
09/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 27616	Web
Please be advised that I.C. System, Inc. has violated the Fair Credit Reporting Act ( FCRA ) by reporting this fraudulent debt and amount to the credit bureaus. If this collection is n't removed immediately from all credit bureaus, I will be moving forward with a formal lawsuit against the company. I 've been in contact with an attorney and have all supporting documentation outlining their failure to adhere to consumer protection laws. If the company does n't remove this immediately and I am forced to proceed with a lawsuit, I 'll also explore the possibility of a class action lawsuit to help the countless other victims that have been damaged by I.C. System 's unlawful practices. Thank you.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 704XX	Web
XXXX XXXX XXXX 1925 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instruction. 15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose. Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.
01/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30274	Web
XX/XX/XXXX XXXX XXXX was bought by XXXX XXXX. XX/XX/XXXX I paid the {$110.00} bill with my bank. only owed {$100.00}. XX/XX/XXXX Payment processed, but was never posted. XX/XX/XXXX It popped up on my credit report. IC System refused to go back to the creditor to validate the debt. It was taken OFF my credit, but put back on XX/XX/XXXX. I'm in the process of buying the house. ICS wouldnt give me a phone number to expedite providing proof. XX/XX/XXXX IC Systems puts the account back on my credit report. XXXX would not let me dispute it online WITH the proof. XXXX says the dispute was satisfactorily validated. how? I have the documents. I want it removed AND compensation for the trouble.
11/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43213	Web
I took my daughter out of this XXXX and they continued to charge me. In addition to them checking her in on days she did not attend and I emailed director about it but no one ever responded then the center closed due to staffing issues. I cant talk to anyone there because the center is now closed and they changed staff in our short time being there. I do not owe anything and I want all credit bureaus updated. I let XXXX know in person first about my daughter not coming back then emailed them later on. You will see in the attaches that I messaged them about them checking her in on days she didnt attend and they never responded and now they reported {$350.00} owed and I dont owe anything.
03/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89031	Web
I've reached out to " I.C. SYSTEMS '' and they aren't responding. Guess what? Neither is the original creditor, XXXX XXXX XXXX. Last I spoke to the representative, they stated they didn't have to answer to me because the debt was no longer there's - and to reach out to IC SYSTEMS INC. This is another fraudulent account. I did not open this account and have told the police that I'm certain a family member or someone who knows me opened this account. Unfortunately I can't prove who - but all I was sent was invoices. This isn't my account. I've informed creditors, collection agencies, and the bureaus. This account is the only one that remains! I am prepared to sue this collection agency.
10/05/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NY 10027	Web
I received a debt collection notice from IC System Inc for a XXXX XXXX account. IC System XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX I never opened up this account. It's also showing up on all three of my credit reports as a delinquent account. This is fraudulent. Address XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type XXXX Balance {$1600.00} Date Updated XX/XX/2023 Payment Received {$0.00} High Balance {$1600.00} Past Due {$1600.00} Pay Status >Collection< Date Closed XX/XX/2023 Estimated month and year this item will be removed XXXX/2030 Remarks PLACED FOR COLLECTION
06/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30331	Web
The company did not send enough information verifying the legitimate balance of the debt. What they mailed to me showed a written-off balance of {$0.00} from the original creditor. After speaking to counsel, I decided to settle the debt vs. it remaining on my credit report while we continue to dispute it. We agreed on a settlement amount for deletion, but now the company refuses to provide a letter based on our agreement after I processed the payment. They are stating that I have to wait 30-45 days and callback before they would consider generating a letter confirming our agreement, and now I don't feel comfortable or confident that they are going to hold up to their end of the bargain.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS XXXXX	Web
On XX/XX/2020, I C SYSTEM add a derogatory mark on my credit reports. I C SYSTEM did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
03/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 240XX	Web
On XX/XX/2022 a collection account of {$1200.00} by I.C. Systems was placed on my XXXX credit report. I contacted I.C.sytems on XX/XX/2022 and XX/XX/2022 via telephone was told they would investigate this as fraud, at this time they would stop collections. I reached out to XXXX voicing this was fraud/identity theft. And sent proof showing it was fraud. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT.
04/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 212XX	Web
I have sent 3 certified letters to this company requesting that they validate this account. I have never had this service & have knowledge of the at all. I requested a contract or some type of agreement between myself and the company be provided to me however, they have ignored an nagated every request. I spoke with XXXX XXXX id # XXXX and he told me to just file identity theft or fraud because that was the easiest route. All my attempts to resolve this matter with this company have failed. I want this account removed from all XXXX credit bureaus and their files if they can not provide me the necessary documentation, They only information they provide me was a last bill with a balance.
08/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 729XX	Web	Servicemember
Received debt collection in the mail from a debt collector for a utility company that we never had an account with. I called the utility company to see if the account was valid and it was not. They said dont even use that debt collection agency. I called the debt collector back and they kept transferring my call and giving me the run around when I told them the account is invalid and that I never had an account with the utility company. According to the debt collection letter they sent me in the mail it will go on my credit report if not resolved within 30 business days. I just want to get this cleared up and to stop these fraudulent people for taking money from myself or anyone else.
06/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33033	Web	Servicemember
While I was disputing an over charges by XXXX XXXX XXXX XXXX for charges of DATA used by a Tablet given to me in an offered by XXXX XXXX XXXX XXXX when I connected XXXX XXXX services in my apartment, XXXX XXXX XXXX cancelled my XXXX XXXX services. XXXX XXXX is charging {$490.00} for breached of contract. I do not feel that I breached XXXX XXXX 's contract when they where the ones who terminated me. I.C . Systems Inc. hav e reported me to XXXX and XXXX that I know. I do not know how many more. They reported me for a debt of {$490.00}, wait a couple of months, withdraw it. Then wait a couple of months and report me again. Can they do this?
04/13/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 381XX	Web
i contacted ic systems about a debt i see on my credit report and i didnt know where it came from. i called to get verification from them and they told me to send in writing. i have never called this company and i looked at my credit report and it said date of last activity was XX/XX/XXXX on experian and XX/XX/XXXX on XXXX. the person who took the call verified that i had never called before as well. i believe they were or are re-aging the account on my credit report since the debt date is coming up on 7 years this XXXX. he told me the account was created in XXXX of XXXX and closed on XXXX of XXXX the XXXX year rule in tennessee is valid so they are guilty of re-aging my account.
02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85208	Web
Original Creditor account is already 4-5 years old. A new company is showing on credit report as newly opened in 2021. It's stated NOT to communicate with creditor if it is an old account for that may, " reset '' the time clock of responsibility showing on credit report. I have had NO contact with new company, but it shows as fairly new account. This is not a fair practice as account is actually old and should be falling off my report. Original Creditor may have an account with newer company showing on my report, however, I DO NOT, and NEVER HAVE had an account with the new company, nor have I had ANY contact with them. PLEASE HELP, I've been dealing with this issue for far too long.
11/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IA 52722	Web
There was not an option specifically tailored to my needs. I had a {$100.00} balance with a utility provided after I ended services with them. It was missed and on XX/XX/XXXX I received an alert from XXXX. I pay all my bills on the XXXX of each month, and included it to be addressed and paid in full on XX/XX/XXXX. I.C Systems reported the same collection 5 times to my credit, resulting an a credit score decrease of 24 points. All the while I am in the process of increasing a business credit line. 24 points is detrimental to a business owner, and reporting the same collection 5 times in one month should not be allowed, and should not effect someone's credit score that dramatically.
07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 710XX	Web
On XXXX XXXX 2017, i disputed online to your collection agency asking for validation to this debt. I am not requesting for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. A copy of a signed contract by me with your collection office, a copy of the original contract between you and i?? 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.
02/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN XXXXX	Web	Servicemember
i had made an agreement to purchase two XXXX XXXX 's from XXXX. I was going to find a buyer for the second phone. XXXX would not sell just one phone at the time. I purchased two phones and listed the Second phone on XXXX. I had two buyers that bought the phones. The first buyer was out of the country when I selected the auction to be a US ONLY auction. This resulted in loss of sale. I listed the phone again and sold the phone to a second buyer and again the buyer was an out of country buyer. This again resulted in loss of sale. I finally went to XXXX/XXXX to list the phone. The phone did sell for about {$500.00} dollars less than the first listing and I never received the proceeds.
07/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MS 397XX	Web
I.C. Systems has damaged my credit and defamed my credit by doing the following : 1. Did not send me communication, informing me of my rights to dispute this alleged debt within 30 days. 2. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor. 3. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.
04/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94605	Web
I had XXXX at a residence that i moved from and tried to switch it to a new residence. XXXX switched it to the wrong address. We lived at XXXX XXXX XXXX they switched it to XXXX XXXX XXXX XXXX XXXX , in 2015. We paid XXXX there as a part of our rent tot he owner. I never received a phone call, an email or any communications from XXXX that i was being double billed. I recently was alerted by the credit bureaus that a collection account was added to my record from I.C. sytems. I researched and informed them and XXXX that i was not responsible for that bill as i never lived at that address and i never received those services. They are still reporting and trying to collect on that bill.
10/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 439XX	Web
In XXXX 2022 XXXX XXXX XXXX flagged my credit for this XXXX debt from XXXX XXXX I disputed it and have proof and it was taken off my report now a different company IC systems has brought the same report for same amount same company XXXX XXXX, I haven't had XXXX XXXX and I called the company IC systems and the man was so very disrespectful and rude for no reason and insisted that I was untruthful and hung up on me. I've tried to dispute this again to no avail. XXXX XXXX has knowledge of the situation as well as proof that is why they took it off. Now this is the XXXX time they have tried to give me this debt, it's unjust and I will not be responsible for something that is not mine.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43219	Web
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission toto I.C. SYSTEM, INC # XXXX, XXXX XXXX XXXX I # XXXX, XXXX & XXXX XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than toto I.C. SYSTEM, INC # XXXX, XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
01/29/2018	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	LA 705XX	Web
I have collection account that are still showing on my XXXX report that have been deleted from other reporting bureaus. These accounts were deleted by using a third party agency and XXXX has yet to delete account from my credit reports. The 4 accounts could not be verified or validated. I would like XXXX to do as the other bureaus have and update my Credit report to reflect NO collection accounts. One account ( IC systems in the amount of XXXX ) on consumer report exceeded the 30 day to validate debt by accordance to FRCA requirements and is in violation but has failed to delete account. I am also submitting a complaint to the XXXX against XXXX and IC Systems for violation of FCRA.
02/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 287XX	Web	Servicemember
Account with XXXX XXXX XXXX XXXX was closed on XXXX XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for service for 4 more months. I contacted XXXX on numerous occasions disputing these charges. This account has been referred to over XXXX different collection agencies and my credit has been negatively affected. I have contacted all three credit bureaus and disputed this collection each time and each time this collection was removed. On XXXX XX/XX/XXXX this collection was once again placed in my credit report by I.C. System inc XXXX XXXX, Minnesota. In the state of XXXX XXXX the statue of limitations is 3 years for all collections. XXXX XXXX XXXX is in clear violation of state law.
07/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 150XX	Web
I C Systems the collection agency has gathered a debt by XXXX XXXX XXXX. This debt is invalid as the items had been canceled due to the transaction not being valid. It was not valid because they did not complete the agreement in good faith. I was sent the wrong spice rack and they refused to accept it back. I then canceled the rest of the items ordered. They insisted on me paying for the items never accepted. XXXX the Financer sided with me on this dispute and eliminated my obligation and debt. XXXX XXXX XXXX got mad and insists I pay for the items even though the agreement was for XXXX to finance it. They have sent my account to a collection agency but they are not owed anything.
11/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This account was removed and proven to not be mine in XX/XX/XXXX and it all of a sudden re-appeared XX/XX/XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XX/XX/XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
07/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30012	Web	Servicemember
A collection account is showing on my credit report from IC SYSTEMS. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with IC SYSTEMS. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89115	Web
There are multiple accounts & inquiries opened and being reported on my credit report that do not belong to me. I have took the necessary steps to contact these companies & the credit bureaus to advise that whats being reported is fraud & not accurate. I have made several attempts in disputing all inaccurate information being reported on my credit but there has been no resolve. I filed a police report regarding this matter in XXXX of 2022, I requested alerts be put in place on my credit as an extra layer of protection yet that didnt work either. This has affected my credit & score tremendously & i am now choosing to escalate this matter in hopes of it getting resolved right away.
01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60659	Web
I received a call from IC System Stateing I owe a Debt of XXXX to XXXX XXXX hospital. The rep Had a Incorect Address along with stating they Went to my Company Website to get my Phone Number. The Collection Rep changed my Address on the Contract they she claim I owe. When I told her I had Idenity theft she told me They will put this on my credit report come XXXX XXXX. I then called XXXX and wrote XXXX Letters with supporting Documents and they never Responded. I Do n't like the fact that the collection Agency change the address from where the fraud happen. I do n't even have a pet. XXXX and the collection agency refuse to even mail a Affidavit for me to sign or dispute the issue.
11/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 48116	Web
I have repeatedly told the debt collector ( I.C. SYSTEM, INC ) from XXXX, Mobility that I have not had an account with XXXX for XXXX years and that the debt they are trying to collect from someone does not have anything to do with me. They are continuing to cause me to spend time which I am sure they can see where the phone service they are attempting to collect for was set up and where the phone was used. They should involve law enforcement in an attempt to find the person who stole their service and not continue for years harassing a person who has absolutely nothing to do with this account and has absolutely no association with the address they are stated the service was for.
11/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 302XX	Web
I C System is continuously reporting a debt to my credit report that isn't owed to them. In my previous complaint, I asked them to cease and desist communication as well as delete this debt from my credit reports as I will handle this matter directly with the original creditor. I received a letter from I C System dated XX/XX/2020 stating that they are terminating all collection efforts but they are still reporting this account to my credit reports. The letter also states that XXXX XXXX hospital is both the original and current creditor. Well if that's so then why is it being reported on my credit file by I C System and not by XXXX XXXX XXXX in which I do not owe them either.
06/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98034	Web
So a collection account went on my Credit report in XXXX showing I owe {$950.00} to a collection company IC SYSTEM. I have disputed it multiple times with each Credit reporting agency but have not had any help in resolving this. It will get " Closed '' then they just open a new one a couple of weeks later and XXXX up my credit. Today a new hard inquiry appeared from a XXXX XXXX XXXX. I have never heard of them, I XXXX the company and they are in XXXX XXXX. I am in Washington. There is another one for XXXX. Another XXXX. Another XXXX XXXX XXXX. Another XXXX XXXX XXXX XXXX. Another XXXX XXXX. It continues ... I do not know how to fix this but I am hoping this agency can help me.
08/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77450	Web
i have a common name and was told by XXXX. XXXX, and XXXX that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. XXXX XXXX XXXX XXXX XXXX XXXX
03/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53209	Web
At the time I disconnected service from XXXX, now listed as IC systems on my credit report, there was no balance. A balance was accrued due to unreturned equipment which I returned the equipment about a year later to XXXX in downtown XXXX. I called shortly after returning equipment after being told by a rep at XXXX that the company does have a tendency and reputation to not credit accounts for equipment being returned and sure enough the company is and has stated on numerous occasions that the remaining balance is associated with a balance for service and it is not. I would like this removed from collections as I do not owe a balance for service and equipment has been returned.
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web
On XX/XX/XXXX l took a look at my credit report and noticed a collection account was fraudulently reporting on my personal credit report. I immediately called XXXX to let them know that this identity theft collection account " '' Att U Verse / I.C. System INC ... is a fraudulent account n it does not belong to me. The company I.C. System INC. Has fraudulently given XXXX wrong information about an account that l never had. It's fraud. This fraudulent collection account is sitting on my report and ruining my good name... and l want it removed please because it does not belong to me. XXXX has not removed this fraudulent collection acount from my credit report as of yet.
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53045	Web
Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector {$100.00} to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be an unmanageable hardship. Today a collector harassed the receptionist where I work.
07/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30058	Web	Servicemember
I.C. SYSTEM, INC has posted a collection account onto my credit profile. I have no recollection of this bill. I am disabled and on social security. I was denied an approval for a XXXX XXXX credit card because of this collection. I contacted the credit bureaus and disputed the account ; XXXX, XXXX, and XXXX. XXXX refuses to honor my numerous disputes with the aforementioned account. I am deeply disturbed and depressed by I.C. System 's and XXXX 's action. Please see the item below : Account Info I.C. SYSTEM, INC Account number- XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$860.00}
02/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CO 816XX	Web
I have a balance with XXXX XXXXXXXX XXXX. Some of the accrued balance is from XXXX XXXX therapy sessions. I was approved in 2020 for XXXX 's Fund from XXXX XXXX that provides me SIX FREE mental health sessions. Colorado XXXX XXXX was aware of this, but instead sent the claims to my insurance company which only covers a certain amount. When the sessions should not have ever went to my insurance company, they should have been billed directly to XXXX XXXX for XXXX 's Fund. I am not responsible for this cost but it was sent to collections. Not only this, but there are costs that are related to COVID in XXXXXXXX 2020 that are not my responsibility as Covid care should be free.
05/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
My XXXX XXXX XXXX debt was sold to " IC SYSTEM INC ''. Did not receive written notice of the amount that was owed. I found out when by an XXXX report email that my account was flagged. I disputed because of the Natural Disaster in Texas, the Ice Storm. I had some repairs on my home and tried to seek Fema assistant. The Dispute was open on XXXX the XXXX and close on XXXX. I call XXXX and the representative stated they my comments was deleted by the collection Agency. I open another disputed the amount verified by the company. Just open this on today. The collection has flagged my credit five times in less than a month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
06/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WV 252XX	Web
On my XXXX report there is a collection of {$450.00} by I C System for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from I C System, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.
09/19/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89104	Web
On or about XX/XX/XXXX, I cancelled service with my cable provider XXXX XXXX. I was charged a {$200.00} early cancellation fee. I never entered into a contract or agreed to use their services for a specified time frame. The debt was transferred to a collections company. I responded certified letter within 30 days requesting proof that I entered into a written or verbal contract. While they provided a detailed statement, no proof of contract was provided. On XX/XX/XXXX, the account was then transferred to a second collections company, starting the process all over again. I believe the policy to transferring collections accounts on unresolved debt is tantamount to harassment.
11/25/2022	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	CA 90807	Web
Please remove and suppress this account, no knowledge or contract with this company 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. Please remove for innacuracy XXXXXXXX XXXX XXXX - summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX Name I.C. System, Inc Date Assigned XXXX XXXX XXXX Original Balance {$1500.00} Current Balance {$1500.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Account Information Disputed By Consumer
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43213	Web
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to I C SYSTEM COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
02/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web
I noticed a collection for the amount of XXXX from IC Systems on my credit report. I have not received any notification by IC Systems to dispute this account. This needs to be removed until they complete a full investigation on this account. I am requesting debt validation according to the FCDPA laws. I also would like copies of bills for the last 12 months of this account. I also would like to get information of contract signed or account details used to open account. I would like this information mailed to me within 30 days of receipt of this complaint and this to be removed from my credit report until a full investigation has been completed according to the FCRA laws.
04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 381XX	Web
On XXXX XXXX, 2015, I was alerted by all XXXX major credit bureaus about a collection agency on my credit report about a balance in the amount of XXXX from the company ICSysytems, I contacted the company and the company had an address that I never knew about. I told the rep that I know nothing about this account. So the rep gave me a number to call, and when I called that number which was XXXX, I stayed on hold for XXXX minutes and the next time I called on the same day, the call drop. And this company is reporting negatively on my account as a collection. I wish the company could of called me about a debt instead of just showing it on my credit report. I am disputing XXXX
03/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78216	Web
I have submitted 3 times - police reports and other fraud paperwork to each of the collections agencies that XXXX XXXX has sold this debt too. The amount is {$1500.00} the name of the person is XXXX XXXX - XXXX XXXX, Michigan- the account was opened in XX/XX/2019 to XXXX XXXX I do not know or have ever given permission to anyone to use my information to gain access to any services provided by XXXX XXXX XXXX XXXX I have asked each agency to provided any paperwork or contact that would have been signed to gain services by XXXX XXXX and each collection agency " XXXX XXXX does not have any paperwork ''. Please help me have this collection debt remove from my credit history.
08/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 752XX	Web	Servicemember
I C System has been sold a debt by XXXX XXXX XXXX from a XXXX account that I had in XXXX. This account was due to the cost of the equipment that had not been turned in. After moving into a new apartment at the same address, In XXXX I wanted to re-establish service, but in order to do this I had to pay the remaining balance and return the equipment, which I did. So this debt has been satisfied but after calling XXXX who is formerly XXXX XXXX, customer service explained had a balance of not {$240.00}, but of {$370.00}. I explained that its impossible to owe anything since I had turned in the equipment and paid the balance, and she agreed that I should not have balance owed.
04/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01801	Web
This debt ( XXXX Cable Bill ) was the result of identity theft. Someone has utilized my identity to take cable bill under my name. I contacted the agency and paid the bill. I was told that once I paid the debt, it will be removed from my credit report. in fact, I was asked to pay 75 % ( {$110.00} ) of the bill ( {$150.00} ) to clear it out on my credit. Rather, I paid 100 % of the bill ( {$150.00} ) to make sure it will clear on my credit. However, as of now, the transaction still on my credit report, as negative item. As a result, my credit score has decreased considerably, from XXXX to XXXX. Please have this company removed this negative transaction on my credit report.
05/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91801	Web	Older American
( 1 ) The former compliant number XXXX The XXXX XXXX XXXX authorized IC system to settle by {$1800.00} of the total invoice {$3000.00}. But I didn't received the revised Official invoice in mail? I need those official revised invoice to make payment ( 2 ) I have attached of my insurance company paid Statement which shows the room and Boarding are duplicate charges? I need XXXX XXXX care to explain why had duplicate charges for the same period XX/XX/XXXX-XX/XX/XXXX for room and boarding? ( see attached ) ( 3 ) I am keep one receiving a lot of doctor 's Bill separately? but according to the XXXX invoice statements they already charge the XXXX XXXX and XXXX XXXX XXXX Team?
05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35242	Web
There is a debt showing on my credit report that was sent to I.C. Systems, Inc with ATT XXXX {$820.00}. I spoke with this company and let them know that this was an action of identity theft! They gave me all information which will be below regarding who, when, and what address this was taken place. I was told to do a police report and an online report with there company to get it resolved and taken off my credit. XXXX ( debt collector contact number ) XXXX ( debt amount ) XXXX XXXX XXXX XXXX Alabama XXXX ( address of service being used ) XXXX ( account number ) XXXX ( person who stole identity email ) XXXX XXXX ( date account opened ) XX/XX/2017 ( date account closed )
07/13/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 20176	Web	Older American
Account information was recently posted to credit companies. On year XX/XX/XXXX I send the check for the amount in question of {$220.00} check number XXXX to the dentist at XXXX XXXX XXXX in XXXX VA. They wait XXXX months to cash the check so they can charge more as a late fee. Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$320.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$310.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
08/18/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	PA 19121	Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
07/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19143	Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
07/16/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85017	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trailXXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.
05/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19064	Web
Debt allegedly occurred, XX/XX/2015. I have never been to this facility. My identity was compromised in XX/XX/2015. I have taken all necessary steps to dispute this and other debts with their original creditors. I.C. System refuses to cancel the debt/cease contacting me. I.C. System has added charges to the original debt citing " additional charges being incurred ''. I.C. System practices unlawful tactics. I.C. System has been advised that I do not owe this debt. I.C. System has been advised that this debt is invalid. I.C. System, their agents, and affiliates have been advised not to contact me anymore regarding this debt via telephone, e-mail, mail, or any other method.
06/28/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35235	Web
Complaint # XXXX was filed against IC System and I received a very vanilla response to my concerns about them trying to collect an unverified debt. I have no idea what this debt concerns. I spoke with this company and they came to the conclusion that the address is incorrect where any so called notices were sent. CFPB you have my correct address so please ask them to verify it. I also requested them to send me any information used to verify this debt and what methods they used to verify it. Nothing was provided to me. I never used XXXX 's services and never will. I now have a paper trail and will definitely contact a lawyer and sue I C System, they are used to it by now.
09/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	OH 44120	Web
I.C. SYSTEM has unlawfully attached my Credit File, I.C. SYSTEM has not been awarded a Judgement of Default by any U.S. Court concerning this matter, I.C. SYSTEM has been advised that XXXX XXXX under the guise of Extortion is an unacceptable Business Model, I.C. SYSTEM removed their initial filing from from XXXX, XXXX and XXXX in order to extend the 7 year expiration date and now is seeking to attach each Credit File individually to continue to unlawfully destroy the Credit File and cause financial hardships in the form of increased premium 's and higher interest rates. I.C. SYSTEM is engaged in unscrupulously business practices, which run counter to Public Policy.
06/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21234	Web	Older American, Servicemember
XXXX bills ahead of actual usage. they billed me on XXXX XXXX , 2017 {$17.00} for service to be provided for the period XXXX XXXX to XXXX XXXX , 2017 . I canceled service on XXXX XXXX ,2017, so I did not owe them {$17.00}. On XXXX XXXX ,2017 I received a request from I . C Systems coll ection agency requesting I pay the {$17.00} that I did n't actual owe. Is n't it illegal and fraud to try to collect money not owed. it should be a crime. XXXX could ruin my credit. Should they be allowed to use a collection agency before checking whether the debt is owed? The Federal Government needs to make XXXX change their practices and punish them for fraud.
05/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94588	Web
I reviewed my recent credit report and noticed a collection from IC Systems for a Debt with XXXX XXXXXXXX XXXX XXXX. I was told that this was a joint account. I have never had a joint account for XXXX XXXX XXXX. I have never signed a contract or authorized a joint account. IC Systems has also never called me, the failed to send me any communications or validation notice. I only found out about this debt when it showed up on my credit report. This account is also for an address that is not mine. I have called both XXXX and XXXX requesting that they validate this collection. They have not sent me confirmation that the debt was mine. Date : XX/XX/23 Amount : {$820.00}
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29678	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,
01/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07003	Web
On multiple occasions I have asked the debt collector to send me the informations about the debt because I never received anything about this. I was made aware of this alleged debt when it showed up on my credit report. I called and asked them on two separate occasions ( first week of XXXX and again in XXXX ) to send me the bills, breakdowns, and all pertinent info in order to confirm the debt is mine. They have not sent anything, I put a dispute twice through the credit monitoring system and both times they said that the info was confirmed. How do they confirm the info with the credit reporting agencies and are as of yet to confirm the debt and Info with me directly?
09/16/2022	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	CA 900XX	Web
I have disputed an account with I.C. Systems on multiple occasions. I don't know what it is and to help my credit score i was actually tricked into paying it as i '' m tired of dealign ith it and i was told it was going to be removed! Now not only is it reporting differently on each bureau which is a violatoin of the FCRA there is a different balance reported! I mean what kind of lies can a company get away with? this is ridiculous. this needs to be removed. It's reported as an open and current account with XXXX and each bureau has a different payment status and a different date of last active. come on. HOW IS THIS OKAY? My next complaint is with the attorney general.
10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30342	Web
On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report and this company has VIOLATED ME MULTIPLE times under the FDCPA, no consent to having unauthorized use of my information or social security number is identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. This debt collector has violated me under 15 USC 1692g by not validating the alleged debt as the natural consumer ONLY I can validate any debt and several other violations against me and my character. I demand this alleged debt and any of my information that was fraudulently obtained be deleted.
07/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web
I c systems is XXXX me about a debt that I dont not owe and Ive never did business with I c systems so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts thats violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proffered of a contact that I have with them along with proof of the true creditor is, I expect to receive that. I also sent out a cease and desist letter as well
03/10/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95667	Web
Mutiple calls starting from the same number followed by mutiple calls by different numbers about twice a day. When answered, there is only silence and then a redirect to a machine. When called back, only machine amswer. It asks for an account number I couldn't possibly have and leaves no other identafiable information such as asking for my name or using the last 4 digits of my cell phone number or any other information. Website leads in circles and there is no way to recover any information to use to stop their calls or recover any type of information. Overall, it's just been an unidentifiable harasser over an unidentified issue with no possible resolution on my side.
11/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49503	Web
In XXXX I attempted to get XXXX service at my local XXXX XXXX. They were unable to complete the transaction and asked if I can come back the next day. I came back the next day and they were still unable to complete the transfer. At that time I told them to cancel the entire transaction and continued with my cell phone provider without changing service. A few months later I received a bill from XXXX with no explanation about what it was for. Since I never received service from them I did not pay it. I have been working with XXXX and the various collection agency 's that have contacted me. They still have this collection against me even though they provided no service.
08/19/2021	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 Was not notified of investigation status or results	MS 38637	Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
08/16/2021	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 Was not notified of investigation status or results	TN 38016	Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
08/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27107	Web
A balance due of {$180.00} appeared on my credit report in XX/XX/2020. I have disputed this twice through the credit bureaus as I have no knowledge of this account or the balance due. IC Systems simply responded that it meets FCRA Requirements. I have no idea what this charge is for. I never received a bill or communication in the mail, it just appeared out of no where on my credit report. I require proof be provided that this balance due belongs to me. I also require the delinquency date and that this be removed from all three credit bureaus for failure to provide proof that this is my bill and for failure to notify me by mail before reporting to the credit bureaus.
02/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29115	Web
I have a credit monitoring service that I pay for monthly. I discovered a new collection on my credit report by a collection agency called IC Systems who allegedly state they are collecting for XXXX XXXX. Around XX/XX/XXXX, I disputed this account with XXXX XXXX as well as a collection agency called XXXX XXXX. This account was demmed to be open fraudulently and was removed from my credit reports on XX/XX/XXXX. Now this collection agency called IC Systems has placed the same collection back on my credit reports. I have never heard of this collection agency nor did they give me the opportunity to dispute the validity of this debt. This account does not belong to me!!
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75023	Web
I received an email in regards to collection debt which does not appear to be mine. First of all, I never lived at the following address listed on the account. I never had cable from XXXX. I noticed 2 errors found and I am contacting you in regards to that matter. By law I am contacting you through this portal and upon receiving this message please be advised that Ive filed a police report, contacted the FTC and filed a report. I have also filed a lawsuit at the civil county courthouse located in XXXX TX. I am giving you less than 3 days to remove this error from my credit file by the ending of the week. If not I will contact my lawyer immediately upon your response.
04/04/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84078	Web
IC Systems has reported a medical debt to my credit which I was not aware of from XXXX XXXX. They has been no proper communications about this debt when then last time that I have spoke with them on the phone asked for record of this debt. They informed me they would send me the documentation, but I have not received it. I sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they did not respond within the 30 days allowed within the letter. I sent a 2nd letter informing them they that they did not respond in a timely manner therefor I am requesting them to remove this harmful reporting to my credit. I yet again have not received any response.
07/22/2021	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 Was not notified of investigation status or results	TN 38118	Web
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
03/29/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08096	Web
sent my certified mail and they signed it on XX/XX/XXXX and as of today XX/XX/XXXX I received nothing back from them in the mail. They marked it's in dispute on my credit report but I received nothing. I called them today to let them know that I received nothing from them as of today and that this is being dispute and that they signed for my letter. I explained I'm disputing the balance & that I moved out the home in XX/XX/XXXX and they stated the account was disconnected on XX/XX/XXXX. I asked for the documents to validate and as of today XX/XX/XXXX I received nothing Please see my documents for the proof that it's past the 30 days to respond. Thanks, XXXX XXXX
02/02/2019	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 Their investigation did not fix an error on your report	TX 75042	Web
IC System, Inc., a third part debt collector, is reporting a collection account for XXXX in the amount of {$390.00}. The state of Texas requires debt collectors to be bonded. IC System, Inc. does not possess an active bond in the state of Texas and therefore does not have the legal authority to collect debts in Texas, or report those debts to Credit Reporting Agencies. Accordingly, I demand that IC System, Inc. immediately cease all attempts to collect this debt from me, as well as delete the account with both XXXX and XXXX. Per the Texas Secretary of State 's website, Debt Collector Search tool, IC System Inc. 's surety bond in Texas was cancelled XX/XX/2004.
12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 38106	Web
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over XXXX years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
01/23/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
IC SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account claims was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
07/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71111	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
05/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60538	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 631XX	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
03/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27260	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85023	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30236	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35007	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43160	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 455XX	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
03/19/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 10021	Web
I am referring to case number XXXX. I.C.System collection agency has posted a fraudulent collection on my credit report. XXXX XXXX XXXX had been paid in full, no demand for payment has never been received from I.C.System or XXXX XXXX XXXX and my score has dropped XXXX points following this fraudulent collection. My dog was treated four times. According to the XXXX, I was responsible for a total of {$2100.00} ( {$320.00} x XXXX ) for Weeks 1 and 3, {$810.00} for Week 2 and {$630.00} for Week 4. I paid {$2100.00}. Therefore I do not owe them any money. The fact that they tried to take advantage of vulnerable people suggests that we are not their first victims.
05/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 199XX	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78229	Web
There is a company IC System which is reporting a collection previously report to my all three companies. So far They have reported this XX/XX/XXXX, XX/XX/XXXX and again today on XXXX ( XXXX ). I sent a certified letter on XX/XX/XXXX to this company explaining why this should not be reported and a counter offer. I have not heard back from them. When I attempt to visit their website they are asking me for personal information - DOB, SS #, etc and I feel i should able to contact them with the account number on the letter - XXXX amd reference number XXXX, without providing additional information. I bel ; eive the account was sold from collection agency to this one.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95050	Web
As of XX/XX/XXXX, a collections company called I.C. System, Inc has " flagged my account as Collections ''. This alert claims I have an unpaid balance to a " XXXX XXXX XXXX ''. There is a remark listed as " Affected by natural disaster. '' This utility company claims I have an unpaid balance in the amount of {$690.00} that has been due since XXXX of XXXX. I have absolutely no idea what this is about, whether or not it's a legit company with a legit charge for somebody else, or its an illegitimate company with a fraudulent charge. Either way, I have no idea how this ended up on my XXXX and XXXX credit reports and it needs to get removed and this company cited.
05/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89081	Web
I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
05/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30058	Web
I.C. System Inc is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.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 XXXX 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. I.C. Systems are in violation : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and Hippa Law.
05/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web
I have no clue what this is. I've never been contacted by this company/medical center. I've never been to this medical center or sought any sort of medical treatment in NJ. I have never been to a XXXX. Status : Date ReportedXX/XX/2020 Payment Status : Collection/Chargeoff Account StatusDerogatory Amount Past DueNot Reported Account Details Bureau NameI C SYSTEM Original LenderXXXX XXXX XXXX XXXX Account TypeNot Reported ResponsibilityIndividual Age Of Account3 Years, 6 Months Credit LimitNot Reported Highest Balance {$640.00} Payment Details Amount Past DueNot Reported Date of Last PaymentNot Reported Monthly PaymentNot Provided Payment FrequencyNot Reported
04/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18018	Web
I am lodging a formal complaint against ic system. this debt collection company has reported negative info on my credit reports without validating debt. ive sent ic system numerous debt validation letters, but they continue to ignore my request. in addition they are reporting every single month on my XXXX credit report which is a violation of the fcra because they haven't validated the debt with me. the original creditor is a cable company named XXXX and the debt is {$1500.00}. ive never in my life had an account with XXXX. I am requesting this debt that isn't mine be deleted immediately so I can purchase my very first home for my family. thanks for your time!
08/14/2019	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	GA 312XX	Web
In XX/XX/2019 I lost accounts due to this bill that is not mine reappearing on my credit reports. XXXX, XXXX and XXXX. XXXX bank lowered my balances and closed accounts due to this bill from XXXX. This is the 3rd time this has appeared on my credit and I've contacted consumer finance. the company, credit bearus. I've submitted proof of address where I live. I've submitted tax records everything. Each time it gets removed because it is not mine. It is sold or whatever the company XXXX does with it. This has affected me negatively and my credit to where my accounts have been closed. Score dropped. How can a bill that is not mine keep reappearing and hurting me
04/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95355	Web
Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.
08/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60062	Web
I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with XXXX, copy of letter and response is attached, and once again now this new collection agency, I.C. Systems Inc., is claiming I owe them without even mailing me anything through the U.S. Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if I.C. System Inc. can not verify this alleged account according to the Fair Debt Collections Act.
10/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53212	Web
I submitted a complaint letter about the actions of the collection agency, I.C. System, Inc, in regard to a debt claim against me in the amount of {$230.00}. I have no knowledge of any contractual agreement or transaction with I.C. System, Inc, and I have never received any services or goods from this company. Despite my request for verification of the debt in question, I have received no documentation or proof that substantiates this claim. Given the absence of any prior knowledge or dealings with this company, this situation raises serious concerns about the validity of their claim, and I am worried that I may be the target of a scam or fraudulent activity.
11/07/2022	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	PA XXXXX	Web
XXXX report number XXXX. I have previously disputed and had this same collections from XXXX XXXX removed XXXX times. This is the fourth time it has returned. I disputed it again and was not successful in having it removed, submitted a follow-up dispute on their failure to remove it, and the collection remains on my report. I believe it stems from identity theft around the first time I discovered the collections. I had to also remove an address from a state I've never been to. I want this collections removed from my report, and I'd like to never be inconvenienced by it again. My previous successful reports are XXXX, XXXX, XXXX, and the removed address XXXX
09/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30132	Web
XX/XX/21 I was seen in the emergency room but the treating physician. My health insurance is XXXX and for some reason this company didnt bill my insurance company and is choosing to emails me about the debt. Once I went to the emergency room and presented my XXXX at the point I know from my history of handling medical billing that I shouldnt be balanced billed or harassed with collect attempts. This scam company is notorious for going after poor, XXXX recipients and quietly adding charges on their credit reports. This company XXXX now XXXX XXXX is notorious for quietly adding bills on your credit. They shouldnt be balance billing or harassing XXXX recipients.
06/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84094	Web
XXXX XXXX has reported a debt belonging to XXXX XXXX originating in XX/XX/2018. I have not had any business with XXXX/ XXXX XXXX in the last 8 years. I have reported this account as fraud if it falls in the timeline they have provided. Additionally I did have my wallet stolen and charges were pressed against a women who had been representing be me. That have not provided any proof that I accrued this debt. I have not subscribed to any cable or satellite services in 8 years and I have been an exclusive XXXX customer for 15 years. I believe they may have purchased very old debt that has passed the statute of limitations and are representing it as a new debt.
09/14/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78729	Web
Recently showed in my Credit History ( XXXX ) that some Collection agency ( named I.C. Systems Inc ) added and worth {$120.00} in my bad debt. I am wondering about that amount come from in my credit history which impacted from last XX/XX/2020. But I have nothing pending in that amount so far. I found their Contact number from XXXX Portal and called 3 times. Unfortunately the customer service don't know either. Each time they transferred my call to some other division but after waiting and listening some music call dropped. I should mention that, so far in last one year I didnt receive any Mail, Email or any Phone call from that above organization/ agency.
10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20770	Web	Servicemember
Please refer to XXXX XXXX XXXX, which I filed on XXXX/XXXX/XXXX. Now some company named I C Systems Incorporated, XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX and telephone number XXXX XXXX XXXX XXXX is claiming that I owe this {$370.00}. They again list XXXX XXXX XXXX XXXX as the original creditor. This information is listed on my latest XXXX credit report and even after I filed a dispute with XXXX I was told that the company is listing this debt as valid. The partial account number for this company is XXXX and the address identification number is XXXX. I would like this mess removed from my credit reports and I want it listed as " G '' claim filed with government.
05/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC XXXXX	Web
This company is on my credit report for an unpaid amount over {$1000.00}. This was previously disputed with the credit bureau and the original company. Several times over the last couple of years I asked for validation of this account and was unable to be provided this information. I do not have a contract with IC SYSTEMS INC or the other company and by SC State law ( SCCLA 15-3-530 ) the statue of limitation for debt collection is XXXX years from the XXXX date of delinquency. The first date according to IC Systems is XXXX I did not have services with company. This company is in violation of my state law. Please remove from my credit report.
10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11201	Web
There are XXXX main issues. 1. The debt relates to a cable box that XXXX collected from me and replaced with a newer model, which they then lost. I called XXXX to report that they had collected the box, they said that they would attempt to find it, and then I received the collections letter without any further notice from XXXX. I do not owe this debt as I did not keep the box. 2. When I try to call IC Systems, I repeatedly enter all information, am told to hold, and then the phone disconnects. There is just no way for me to get in touch. When I enter my information on their website, XXXX they tell me to call, and when I call, I inevitably get disconnected.
05/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web	Servicemember
I.C systems Inc report a fraudulent account to my credit report that doesnt belong to me. I asked this company to provide me a contract I signed and agreed to and also a copy of my identification and proof that they have the right person and they refused to. I never had services at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I would like for consumer financial bureau to investigate this company for this fraudulent actions and fraudulent made up accounts. This company refused to contact XXXX on three way verification call because they know this account does not belong to me. I will get an attorney for them.if its not cleared out and removed from my credit report
03/19/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92064	Web	Servicemember
I C Systems is unable to provide me with exact services and or the nature in which my debt was incurred as i did not recall the agreement they informed me i was in debt for being a patient at XXXX XXXX so i immediately asked how IC Systems was able to verify or provide verification of me being a patient or services rendered without this being a violation of HIPA law which is suposed to provide doctor patient confidentiality. I am requesting IC Systems remove my debt from collections and all three credit agencies or i will be seeking legal representation and filing a civil law suit against the reporting creditor as well the debt collection agency IC Systems.
11/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98040	Web
This is so frustrating, IC Systems clearly understands my request for VALIDATION OF THE SERVICE ADDRESS. However they continue to only provide me a customer account ledger that does not prove that the service was at my address and is usually produced after service is connected to that particular address. Providing me a copy of a simple work order from the account would show the address and prove this is not my debt. I have requested this information NUMEROUS times and told them numerous times that service was not at my address. Next step will be a law suit for falsely and knowingly reporting and continuing to report a debt that I have disputed was not mine.
08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11221	Web
I have been saddled with a collection account for what seems to be a three-year old cable bill. I have no knowledge of this debt. When I spoke with XXXX, they stated that they did not have much information on the debt itself. They also stated that they on the spot adjusted the balance from XXXX to XXXX. Then my credit report collection is saying that I paid down XXXX dollars, which I did not. I both do not owe the debt and did not pay towards it. As far as I understand, simply from their information, they have assigned me an inaccurate number. I did not pay XXXX dollars a month for cable, nor did I miss any payments, nor did I pay XXXX of the XXXX alleged.
06/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 14226	Web
They didnt accurately answer my request about validating this debt they claimed I had with the them. They sent me a simple bill that anyone can create at their house so of course in todays day and age I will question it. I asked for proof, anything they had bearing my signature. They couldnt provide anything. They couldnt provide any proof that they even owned this debt they claimed I owed them. They re-aged the Date of last activity with the bureaus so that my account would take longer to fall off. I checked my credit report today and realized they havent even noted that the account is in dispute. I feel as if I am in a corner with no other options left.
10/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33073	Web
T V provider sent me into collections stating that I ordered a " pay per view '' movie on their system and I owe them money for it. However, with this particular provider in order to order a " pay per view '' you had to have a " Land Line '' in order to submit in the order. I have not had a land line for over 20 years and have only had my cell phone. When I turned in the equipment upon moving and they audited the equipment the equipment showed that we tried to order a " pay per view '' ... .However, we never actually received the " pay per view '' because the order did n't take in their system. Since we did n't receive it we did n't and wo n't pay for it.
07/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31326	Web	Servicemember
I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is severely damaging my otherwise excellent credit history. Thank you.
09/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33604	Web
Debit card on autopay to XXXX XXXX was canceled, service went unpaid for several months before termination by XXXX At this point the debt was sent to collections agency IC SYSTEMS ( REF XXXX ) unnoticed. Upon checking credit score for home mortgage application, the impact was noticed. XXXX was contacted and the debt was paid, at this point I was informed the collection agency was notified to withdraw. The agency was contacted and stated the debt remained unpaid and would remain in collection status. I was told I had the option of paying them the debt regardless with the alternative of waiting in collection status for two months to possibly be processed.
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75002	Web
The company IC systems tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX the Account from IC systems, the account number is XXXX and IC systems has violated my rights. 15 U.S.C 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 an account without my written instructions.
02/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10038	Web
IC System has placed a wrongful derogatory mark on my credit account based on fraudulently charged fees on an already closed cable account. The original alleged debt came from XXXX XXXX XXXX. All equipment was returned in person and services stopped on the last day of then-current billing cycle. XXXX XXXX XXXX continued to bill me despite the account being closed and in turn sold the incorrect debt, which has been sold now several times over. I have successfully removed this debt from my credit several times in the past already, but it continues to come back as it continues to be fraudulently sold when the owner knows full well it is a debt I do not owe.
05/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89141	Web
IC SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
10/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94531	Web
IC SYSTEM ( 11 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
10/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77042	Web
XXXX customer service made calls to my phone while I was overseas right after I informed them that my phone was not working. XXXX even informed me that I will not be responsible for any customer service calls that they themselves made to me and when I received the bill, they charged me for calls that their customer service rep made to my phone while I was overseas in the amount of {$260.00}. I have had about XXXX different debt collection companies harass me about this same unjust debt. IC System located at XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX, is the current harassing me now about the same debt from XXXX after they stole my identity from XXXX.
02/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28215	Web
Two years ago XXXX and myself severed cable services due to inadequate services & business practices. When I discontinued/disconnected services from them & returned their equipment. My account was zeroed out and final. XXXX additionally requested that I disconnect equipment that they set up. Ie ; satellite dish, however XXXX refused to remove the actual dish, pole, etc from my property, leaving my property damaged as a result. Fast forward to XX/XX/2022 where I receive a letter at my home ( from collections ), stating there is a balance owed ( Two years later ). I've contacted XXXX repeatedly to request they remove the dish from my property to no avail.
01/17/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company I.C. Systems which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for IC Systems to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
11/06/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web	Servicemember
On XXXX I received a bill for {$470.00} from the collections company IC System , Inc XXXX XXXX XXXX, XXXX XXXX MN XXXX for a past due XXXX ( XXXX ) bill. I have never in my life ever subscribed to XXXX. I have lived in XXXX for the past XXXX years. This account was created and set up on XXXX XXXX XXXX in XXXX XXXX. The person 's email address that set it up is XXXX. I am assuming the culprits name is XXXX XXXX, if not made up. His address of service is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the collections company as well as XXXX themselves. I have filled out their fraud paperwork. My Case number with XXXX is # XXXX.
06/18/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30039	Web
IC System is reporting 1 debt as 4 separate accounts although it's 1 account from 1 physician for 1 patient. I contacted the company on XX/XX/2018 and was told instead of reporting the 1 account as a whole they broke up the charges into service dates and reported each date separately. I have a letter from IC System dated XX/XX/2018 which lists 1 total balance of {$1100.00} NO individual charges or service dates listed. On XX/XX/2018 IC Systems reported 4 separate accounts for {$500.00}, {$310.00}, {$210.00}, {$90.00}. This is deceptive and was done purposely to have the biggest negative impact on my credit score. There is 1 account and only 1 amount.
06/14/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32128	Web
This has been a repeat issue with XXXX XXXX the account there trying to have me pay on wasn't ever made by me the repeat phone calls at all hours and letter threatening to turn off my cable service now if not paid is on going threatening and there poor customer service skills aren't warranted at no time did I set up service at XXXX XXXX XXXX XXXX XXXX XXXX, Florida and when i asked them did the person give a proper I.D that's valid?? I've had service with this company for years and never before had customer service or experience this before and this needs additional attention not from me ... ... last message I left for them was XX/XX/2020 @ XXXX XXXX
08/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89117	Web
IC SYSTEM ( 11 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
11/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90717	Web
Something called IC Systems reported to my XXXX report on XX/XX/18 that I owe {$260.00} for something called XXXX XXXX XXXX XXXX XXXX. I looked them up because I have never heard of them. It appears they are a cable tv system or such. I have never had cable tv in my life. Dont have a need for it so I have never purchased it. Furthermore, I asked them to provide me with MY identification used to open the account and they are unable to do so. It is NOT mine and MY identification was NOT used to create this account. Therefore, I want this account removed because it is NOT mine and they dont have any identifying proof of my identity showing that it is.
07/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WI 530XX	Web
Received " Electronic Service Requested '' from " IC System '' for a dentist in another state that I have never heard of or received service from. The Company states I went to as dentist, XXXX XXXX XXXX, XXXX on XX/XX/2018. I have not been to a dentist in over 2 years. The last dentist I saw had a different name and was with a well known company. A person called me from XXXX which is a XXXX number. " IC System '' states they are from Minnesota, and the only dentist I can find with the name " XXXX XXXX XXXXXXXX '' is out of Maryland. I called XXXX, who stated they would send an itemized bill for services I never recived in the amount of {$150.00}.
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32746	Web
I had a phone bill on XX/XX/XXXX when the XXXX send us to XXXX, the account were Paid and closed. XXXX sold this account to multiples collections agencies. Damaged my credit report. I amdispute this account because the credit bureau supposed remove and delete on XX/XX/XXXX. Now I recieve multiples letters threatening me, from differents agencies push me to paid the same account, that the FCRA Law establishes they I get punished for 7 years allready completed by law. They have diferents account thats are not mine. And they said they gona damage my credit againg for the same issue. I am free of this account because they punished me during a lot years.
04/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 900XX	Web
I already reported this to the CFPB before. The Case number was XXXX. At that time my problem fixed ( my error collection information has been removed from XXXX ). By the way, today ( XXXX/XXXX/2016 ), I 've got same error report from XXXX. I really do n't know why XXXX XXXX company never change error information related with me. I 'm not even XXXX XXXX XXXX Customer and also do n't have any Debt record!! Please, help me! According to my memory, this is total 4th times Error Report from XXXX XXXX XXXX. Please, Could you fix my problem?, This is very annoying me every year, and I do n't want to lose my good credit grade. Thank you so much!!
03/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37343	Web
This account was associated with an old rental property I owned. I sold the property and the electrice service then transferred to the new owners of the property. At some point they apparently got behind and the delinquency was mistakenly attached to my account. I thought it was resolved until I recently had a thorough review of my credit and see that it was assigned as a delinquent account in XX/XX/20. The attached document serves as evidence that the power company accepted the responsibility for the error and assured me it would be removed from my credit. I am just now finding out that it wasn't and need to have it removed as soon as possible. ''
08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07017	Web
On XX/XX/2022 I sent a debt validation letter requesting validation that is competent evidence bearing my signature, showing a contractual obligation to pay this debt collector. On XX/XX/2022 I received a one page document with an address not belonging to me and a similar name as mine. As a result, on XX/XX/2022 I sent a response to their correspondence acknowledging their failure t o proved me with a copy of viable evidence, bearing my signature, showing the account is being reported accurately AND belongs to me. It is now XX/XX/2022, I have not received validation. I am demanding the immediate deletion of this reporting from all consumer reports.
10/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76208	Web
I disputed the 2 collections with XXXX and the Collection Agency I.C. Systems by certified mail, with a return receipt, requesting that they validate the 2 accounts that they are negatively reporting. XXXX stated that the debt was validated, however when I followed up requesting that they explain how the debt was validated, they never did. I sent a certified letter giving them 30 days to provide that information. I gave I.C. 15 days to provide proof that the accounts they are reporting are indeed mine. When the time passed, I spoke to an agent at I.C. Systems who advised me that I was the one who had to prove that the debt does not belong to me.
05/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33322	Web
Received a collection/charge off on my credit report by this company. Have tried numerous times to dispute with all credit bureaus to no prevail. Have contacted collection agency to validate debt and have gotten the runaround demanding that I pay them. Have been harassed with phone calls and countless letters. Not once was I provided evidence authenticating the debt at question. Never received proof or validation that debt belongs to me. Have yet to see a single signature of mine validating that the debt in question belongs to me. My credit score has dropped over 100 points because of this incorrect collection/ attempt to collect false debt from me
03/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN XXXXX	Web	Servicemember
I recieved a letter from IC system, I got this letter months after it was sent Due to the fact that I'm in XXXX at a really remote location near the XXXX border in the XXXX region. It took the mail almost 3month to get to me. Once I recieved this letter I paid the bill ... this is the confirmation numberXXXX, ,now this has affected my credit score ..and I'm trying to rebuild my credit ... I settled with them for XXXXusd. I'm asking that they remove this hard inquiry off my credit history. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I C SYSTEM INC XXXX XXXX XXXX XX/XX/XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
03/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32259	Web
Compliant is against IC Systems/XXXX # XXXX : XXXX sent me to collections at IC Systems for {$77.00} on XX/XX/XXXX. I haven't had XXXX since XXXX. After disconnecting the service XXXX they continued to auto withdraw roughly {$100.00} a month from our account for almost a year. I've reached out to XXXX over 10 times to get payment back from them ( over {$1000.00} ) with no eval. Now my credit report is showing that they have sent me to collections for {$77.00}. I was never contacted by them for this and do not feel that I owe them anything. I have contacted them to ask for them to retract this from IC systems. I haven't heard back from them to date.
07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48154	Web
IC Systems is trying to collect a debt from XXXX XXXX for a service that was canceled 4+ years ago. This was paid when we switched our services, and they were in the process of merging with XXXX XXXX XXXX. The collection was placed last year under XXXX XXXX XXXX. I disputed it with XXXX and it was removed from my credit report. They reported it again this year under XXXX XXXX with a slightly lower amount. I have disputed XXXX with XXXX, with proof that they deleted it last year, and reported again this year, and XXXX will not remove. This is an unfair practice, as they can not just reduce a non existent debt and under XXXX different company names.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94520	Web
IN XXXX I JUST FOUND OUT WE WERE EXPECTING OUR XXXX XXXX, THE FATHER WAS KILLED. I DEVELOPED XXXX AND FROM BEING ISOLATED I FELL INTO A XXXX XXXX. THE XXXX XXXX ACCOUNT HAD GOT OVER DRAFT FROM ME DOING MY CHILDREN 'S FATHER FUNERAL, BUT I JUST REOPENED THE ACCOUNT AND IT STILL SHOWS ON REPORT. THE XXXXXXXX XXXX WAS NEVER USED, BECAUSE MY TV WASN'T UP TO DATE SO IT WOULD CONNECT AND AFTER I RETURNED EQUIPMENT. THE XXXX BALANCE IS FROM ME NOT BEING ABLE TO SEND OLD DAMANAGED DEVICES BACK, BECAUSE I HAVE BEEN IN THE MIDDLE OF MOVING AND JUST LOST MY NEPHEW, SO I'VE BEEN A LITTLE SLUGISH LATELY AND I STILL HAVE THE DEVICES I NEED TO GET SIM CARDS OUT.
05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84403	Web
IC Systems reporting several inaccurate & old accounts on my credit report which should have never been placed on there. For one I never got a notice for any of these and they just place them erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance. I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.
05/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
I have disputed this bill from the beginning with at and t. I have asked for them to verify the charges and explain to me what exactly they are collecting. I have not gotten one collection call from this company. I called today and spoke to a rep that informed me that this account was placed with them on XX/XX/18 and was immediately submitted to the credit bureau to impact my credit not given me a chance to dispute it with IC systems. The only reason that I am aware of this collection attempt is because I got an alert from XXXX. This is in violation of my rights. I also requested with the rep today that I fall under the sscra for military spouses.
12/16/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22554	Web
I received a call from I.C Systems. They asked me to verify who I was and I would n't do it. They asked to verify my address and I would n't do it but then I asked them why were they calling, but yet they would n't say why until I told them who I was and verified my address. After I would n't do that, the guy got really nasty with me and I hung up the phone and then blocked their number on my cell. However, they still call my cell house phone that I do not answer. Every time some one calls from I.C Systems, they refuse to tell me why they are calling until I verify who I am, but I refuse to verify anything because they wo n't tell me who they are.
12/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33404	Web
I C system and XXXX XXXX XXXX is a company i never did business with. Also they have the wrong address on file for me. I have sent latters and asked them to send me documents that we ever did any buiness and they failed to do so. These creditors did NOT provide the balance they say I owe with proof of payments up to the balance date, did not explain and show me how they calculated what they say I owe, provode me a verification of the copy of any judgement if applicable, identify the original crediotr, prove the staue of limitations has not expired on that account and provide me with their license numbers and registered agent or agent of service.
11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78748	Web
This is the second fraudulent notice I've received from a company regarding an alleged outstanding amount due on an old XXXX internet account. When the first debt collection agency sent me debt notices ( a year ago ) I called and spoke to them, explaining that the account balance on that ( closed ) XXXX account was ( and still is ) {$0.00} and that there was nothing to collect. They did not contact me again. Now this is a new company claiming the same amount on the same XXXX account ( the balance due on which is still {$0.00} ), and rather than go through all this again in another year 's time I would like this to simply stop. Can you help?
07/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 117XX	Web
I XXXX XXXX never entered into a contract or agreement with I.C. System based on the alleged debt that they sent me on XX/XX/2021 for a positive balance of {$62.00}. According to the Fair Debt Collection Practice Act, Pursuant to 15 USC 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent is direct violation of 15 USC 1692c ( a ) ( 1 ). In Addition, Pursuant to 15 USC 1692b ( 2 ) which states you may not state that I a consumer owes any debt.
01/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85209	Web
My rights have been violated in relation to an account on my credit report. I.C. SYSTEM, INC XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is XXXX XXXX accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is XXXX XXXX correct and needs to be deleted. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
12/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97266	Web
I paid the company XXXX XXXX XXXX since XX/XX/2021 my balance due and retrieve my belongings before it went to auction. I provide receipts and proof of payment. ICS credit collection refused to remove item from my records and is claiming that i owed the balance {$850.00}. The storage company has attempted to report that has been paid but collection clients services is basing on a third party to get auction list and information. This has caused lot damages and pain to my credit and has prevented me prom accede to loan for my business or get a house mortgage collection company Company : I.C. SYSTEM, INC Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX
05/28/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 225XX	Web	Older American
I disputed this 2 years ago because this debt is over 7 years old and XXXX has removed it from my credit report. I stopped answering their calls because they threatened to ruin my life and they keep changing the dates to make it current. The new date they have is 2019 and I havent had sprint in forever I have had XXXX and XXXX isnt a company any longer. When I dispute this with experian and XXXX XXXX they wont remove this with IC Systems. Why do they believe these sleez balls! The credit bureaus are horrible and when they make a mistake they wont correct it! The amount is wrong at XXXX I dont know how they came up with this number I had them for
06/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Web
I sent a letter to XXXX XXXX XXXX XXXX explaining that I do not owe them {$610.00}. Te company misrepresented the amount that would be due monthly. The charges are excessive, inflated and I have returned all of their equipment. I contacted XXXX XXXX XXXX XXXX on numerous occassions to complain that my bill was not the same rate month to month. Sometimes, I would get credited after speaking with a representative. I do not owe XXXX XXXX XXXX XXXX any money. I have been a loyal customer to XXXX XXXX XXXX for nearly a decade ( phone service ). I am really upset with how they run business in relation to the cable network. I do n't owe them anything.
06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91763	Web
I ordered XXXX XXXX XXXX Internet and Phone Line Service for my business date XXXX/XXXX/2014 and connected service date XXXX/XXXX/2014 but I did not satisfy with service because the Internet too slow and the phone line had too many strange called in, I had to cancel XXXX XXXX XXXX service and changed to another company is XXXX date XXXX/XXXX/2014 and return all equipment to XXXX XXXX XXXX with in a month of service. XXXX XXXX XXXX sent me a bill to charge for Service and early cancellation {$430.00}, I do n't want to pay that amount because and canceled XXXX XXXX XXXX service with in 30 days with no fee, now XXXX XXXX XXXX sent it to collection.
09/17/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web	Servicemember
This is a follow up from a previous complaint ( XXXX ) filed onXX/XX/2023. I filed a complaint against another collection company and it was closed due to fraud. The alleged debt was obviously sold to a different another debt and they are trying to collect the same debt which is a fraudulent account. Please see attached letter. Furthermore, IC System is not an authorized debt collector for the state of XXXX per XXXX Therefore, I demand this illegitimate debt buyer cease further communication with me immediately. I also demand the alleged debt be removed from my credit reports immediately if it has been reported to the credit reporting agencies.
08/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11741	Web	Older American
Regrettably I have to file a THIRD complaint about yet another scamming debt collection agency, this time I.C System in XXXX XXXX MN. This follows on from two other complaints I filed against XXXX XXXX and XXXX XXXX XXXX, all three companies are harassing me for a supposed debt of {$1300.00} I owe to XXXX XXXX. I will reiterate what I have stated in the two other complaints in that I do not have and never have had an account with XXXX and this is complete fraud. As I commented in a previous complaint, I have no doubt that this IC System is in collusion with the other two companies to commit fraud on as many unsuspecting individuals as they can.
06/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29577	Web
I moved out of my apartment in XXXX of 2022 and in my complex had to use XXXX XXXX. Their claiming that I had not returned the modem and router that was sent to me and have sent me to collections. I returned the modem and router to the XXXX store on XXXX XXXX XXXX in XXXX XXXX and have since moved into a new place. I have been trying to raise my credit score and this kicked me down from a XXXX to a XXXX and personally that is unacceptable. I have not received a phone call, letter or any kind of communication in regards to the " missing '' modem and router and now am having to argue with I.C. Systems. XX/XX/XXXX : Debt went into collections
10/13/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64130	Web
I AM WRITING IN REFERENCE TO I C SYSTEMS THAT WAS PLACED ON MY CREDIT REPORTS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THIS COMPANY HAS ADDED MULTIPLE COLLECTION ACCOUNTS AND LATE PAYMENTS TO EACH OF MY REPORTS WITH THE THREE CREDIT BUREAUS. NEVER HAVE I HAD ANY TYPE ACCOUNT OR SIGNED ANY TYPE OF AGREEMENT WITH I C SYSTEMS. I C SYSTEMS HAS NEVER MADE ANY TYPE OF CONTACT WITH ME TO ATTEMPT TO VERIFY AND VALIDATE ANY INFORMATION THEY HAVE, BEFORE ADDING ITEMS TO MY CREDIT REPORTS. THIS IS A VIOLATION OF THE FDCPA AND I WOULD LIKE FOR THESE TO BE REMOVED IMMEDIATELY. UNDER THE FCRA 15 U.S.C. 1681i ANY ACCOUNTS UNVERIFIED NEED TO REMOVED IMMEDIATELY.
07/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32810	Web
Ic systems inc is not licensed to collect a debt in the state of Florida as i checked and they do not exist. I tried to file a complaint through the Better Business Bureau again this company does not exist. You cant get in contact with them as no one answers the phone. I do not have a contract with them nor have i received any type of communication from them about alleged debt that appeared on my ctedit reports to all XXXX credit Bureaus. They are reporting fraudulent information and accusations concerning a debt that i have no knowledge of. This is a violation of fcra rights and laws. This is an unacceptable practice that is hurting my credit.
10/22/2021	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	AL 36605	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
06/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I.C.Systems Inc- Date reported XX/XX/2021 in the amount of {XXXX} To whom this may concern : You have added a fraudulent collection account on my credit report and I need answers immediately and send debt validation or delete it immediately. Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. I.C.Systems Inc- Date reported XX/XX/2021 in the amount of $ XXXX DELETE IMMEDIATELY Please provide all paperwork or proof. If not, delete account from the credit bureaus. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43068	Web
Unknown collections on credit report from an agency called IC System. I have one thats been open since XXXX XXXX asking for {$450.00} and another from the same company open since XXXX XXXX asking for {$100.00}. I have disputed these collections and the dispute was remarked 4 months ago stating Account information disputed by consumer, meet FCRA requirements. These collections are still on my credit report stating that Im required to pay them. I have no knowledge of these collections or what theyre for. Im not satisfied with the results of my dispute and would like further assistance with getting these unknown collections off my credit report.
11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78660	Web
I would like for the I.C. SYSTEM, INC to show proof of verification that I owe them {$420.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
05/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 553XX	Web
I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. Thank you.
05/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37128	Web
First never got any written notification sent to me about this alleged debt, then sent a letter to I.C. System, inc on XX/XX/XXXX about an alleged debt on my credit report and asked if they could send me information about the debt and the response letter on XX/XX/XXXX was they could not find any information with my name attached to that debt. Waited several weeks and still it remains on my report, called around XX/XX/XXXX to follow up and again ask to send me information and the original contract and was told there wasnt a contract it was a verbal agreement but yet still have not received anything nor has it removed from my credit report.
03/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 170XX	Web
I received a letter from I.C. System Inc on XX/XX/2023 regarding a debt from XXXX that I did not recognize. I sent a letter back to I.C. System Inc on XX/XX/2023 advising that I did not recognize this debt and wanted them to provide a verification of the debt within 30 days. I have not heard anything back from I.C. System Inc since then. I contacted XXXX, which is where I currently have my service, and they had no record of this debt in their system. I put in the letter to I.C. System Inc that I didn't want this to go on my credit report and wanted to avoid that at all cost and wanted to get this resolved before then. Debt Acct # : XXXX XXXX
01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 070XX	Web
On XX/XX/2019 I sent a debt validation letter to I.C. System requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. System has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b.
06/26/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 483XX	Web
I was contacted by I.C. Systems Inc around XX/XX/XXXX about a XX/XX/XXXX medical debt. I have not not heard about this debt so I wrote I.C. systems a certified letter requesting additional information and asking them to verify the debt. I have not received any responses, but instead, have received another collection letter threatening to escalate the issue to their attorney for not attempting to pay or resolve the issue, which is a lie. Today, I sent 2 more certified letters, one to their XXXX XXXX and another to their physical address. And, they reported this debt to the credit bureaus incorrectly showing a Date of Delinquency of XX/XX/XXXX
10/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AE XXXXX	Web	Servicemember
On XX/XX/2021, a derogatory remark was placed on my credit by XXXX XXXX through IC Systems. I was not contacted about this. I had no idea. On XX/XX/2021, I noticed that XXXX XXXX YET AGAIN sent an account under my name to another debt collection agency. I have previously disputed this same amount ( {$170.00} ) twice before, to which the account was removed from my credit. On XX/XX/2021, I contacted the debt collection agency via email requesting that they validate my debt. I have confirmation that the email was delivered to the Consumer Affairs division of the agency. 33 days later, and no communication has come from the debt collector.