I.C. System, Inc.

2019-10-15

Juniper Hills, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I request a debt validation letter. I received an update from my credit monitoring software on XX/XX/XXXX that my credit accord was lowered. I contacted I.C. Systems Inc and asked why the date was wrong and requested a debt validation letter and he refused to send it. This was the first time learning about this companys attempt to collect a 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

2019-10-15

Ehrhardt, SC

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-15

Norfolk, VA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-10-15

Oak Lawn, IL

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

2019-10-14

Tampa, FL

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2019-10-13

GA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-13

Ft Wayne, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I don't have a written contract with the company ( I C SYSTEM ), nor have I in the past. Therefore, I don't owe this company anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-11

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Simi Valley, CA

False statements or representation

Debt collection: Other debt

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

Timely Response

2019-10-10

Las Vegas, NV

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

2019-10-10

Newnan, GA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 I requested validation of the debt from IC System ( tracking XXXX XXXX XXXX XXXX XXXX ) I still have not received validation of the medical debt and it has been well over 30 days. This account can not be validated 100 % legally and accurately and it needs to be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Birmingham, AL

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

2019-10-10

Ft Lauderdale, FL

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

2019-10-10

Jupiter, 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

2019-10-09

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX Hospital and services were cancelled and billed paid. when bill received proof of payment provided more than 3 yrs ago. Company sent to collection agency IC systems who were also advised of both paid prior and dispute. Both companies rude, unprofessional and refused to resolve the matter! Unacceptable customer TREAMENT and account handling!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

Newark, NJ

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

2019-10-09

Ridley Park, PA

Took or threatened to take negative or legal action

Debt collection: Other 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

2019-10-08

Euclid, OH

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-10-08

GA

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

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

Was not notified of investigation status or results
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-08

Hammond, LA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-07

Silver Spring, MD

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX account opened XX/XX/2019, was opened for internet service for my apartment. I orderded the 150mbps package, once installed the service was slow ans went out intermitten. I called customer service several times over my term or service and had several inspectors come out to check the line. Unfortunately, the company stated that the plan that I was paying for was not available in my area and that I was overpaying for the service. At this time I would like to have the collection removed paid in full. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-05

Farmer Market, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-05

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Based on Section 609 and 601 of the fcra and USC 1611 this company is required to provide proper debt validation in order to collect a debt in which I have no knowledge of therefore this debt is inaccurate and should be removed from my credit report as soon as possible it is deemed has a fraudulent 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

2019-10-05

Chicago, IL

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

2019-10-04

Jersey City, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response