I.C. System, Inc.

2019-10-28

Lansing, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-27

Glendale, WI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-25

Charlotte, NC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I've done two disputes for XXXX and XXXX since XXXX. Saying this was not my debt I have no knowledge of this account this account isnt mine. And initially it came off my credit report all the way in XXXX or XXXX. It should not be back they are old debts. That now XXXX wants to put back on my credit as new debt and it's not it's been off my credit for years. And for them to add it back in XXXX is a disgrace knowing that it has been removed and you update the information to make a new account or debt is wrong. Please go back and investigate that these are the same debts previous that came off and should remain off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-25

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-25

Moore, OK

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Louisville, KY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. IC systems has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Henderson, NV

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Wonder Lake, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have tried to explain to this debt collector on behalf of XXXX that I never ordered services. I investigated and it was a family member that accessed my information for the purpose of getting cable service. I never authorized this service and was then told that it was paid by family member. Unfortunately, this family member has left the country since late last year and I have no contact with him. I am now stuck with something that is not mine. I need this removed from all credit reports. Thank you for your assistance. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Watkins, CO

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Las Vegas, NV

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Chattanooga, TN

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Vista Del Lago, PR

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Medford, OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-20

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Fraudulent Reporting to Credit Reporting Agencies of a Debt I Do Not Owe ; This collection agency is in violation of FCRA 1681s-2. This collection agency is in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that you are licensed in CA, and provide this license number to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

Palm Bch Gdns, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

Keyport, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

Crossings, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

VA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: IC Systems collection for what it says was my direct tv account. I have submitted both the last bill amount they are saying was owed to them, which services were billed a month in advance anyways so I shouldn't have, had a bill when service terminated. They on numerous previous disputes to them on amount said the never received equipment back which I was able to prove they did back when the collect was under XXXX before they sold the debt. I have not had them in 7 years easy so all the dates are incorrect. Everyone keeps selling this debt and I have to start the process over and over
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

West Covina, CA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Holmes Center, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I logged in to look at my credit and saw that there was a collection account. Not only have I never had XXXX XXXX in my name but I never got anything in the mail about this account to give me a chance to dispute it. This is a violation of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-16

Ault Field, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-10-16

Dayton, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-16

Newport, TN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: A derogatory mark from XXXX ( original creditor XXXX ) was removed from my account, then months later on XX/XX/2019 I discovered said negative credit item from I.C. System Inc. with the account number XXXXXXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As well as the account has a open date listed as XX/XX/2019 on XXXX but an open date of XX/XX/2019 on XXXX which is re-aging of the original account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response