Product: Debt collection

On XX/XX/XXXX I was mailed a letter by I.C. System Inc a debt collector with a Minnesota address about an amount of {$110.00} XXXX sent them for collection to my XXXX XXXX XXXX XXXX I was previously contacted by XXXX XXXX XXXX XXXX also a debt collector with a Minnesota address XX/XX/XXXX for the same alleged XXXX  debt to the same XXXX address XXXX I disputed the debt in writing to both collection agencies and requested the original debt and contract justifying any charges XXXX  alleged. Both collection agencies have failed to provide verification of the debt when I asked for proof I was under any contract at the time of the supposed debt. They have only provided a XXXX notice of a balance due for the period of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX that was addressed to a previous address I have not lived at since XXXX in the state of Washington. In fact, also in early XXXX I updated my account address when I moved to Florida when doing transactions at a Florida XXXX location, I have provided proof of one of those transactions with the XXXX XXXX XXXX listed to XXXX XXXX XXXX when disputing the charges with them. I cancelled my service with XXXX on XX/XX/XXXX well before XXXX XXXX. 


I have now discovered that I.C Systems has reported negative information to a credit bureau related to this alleged debt that has yet to be proven with any contract justifying these alleged charges that XXXX never even properly notified me of in the first place. 


I was never under any term contract with XXXX nor did I owe any anything for equipment. The cancellation of my service with them finalized on XX/XX/XXXX and I had made a payment for service for the XXXX billing period on XX/XX/XXXX that was for a one-time discounted rate of {$57.00}. 


On XX/XX/XXXX I had to go to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get assistance to free up my phone number to use with my new carrier. I was informed there that I didnt owe anything on my account. At that point I had no way to log on to my XXXX  account anymore nor did XXXX send me any kind of final billing statement either. 


On XX/XX/XXXX I discovered XXXX had charged my bank account for {$87.00}, at which time I filed a dispute with my bank for the amount. Eventually I was able to contact XXXX after that and speak to somebody, they explained the charge was for the previous period of service which I disagreed with. I explained to them I had filed a dispute for the charge and wanted to resolve things by paying it anyway. The person I spoke to indicated I would get rebilled for it and I could pay it a different way. I confirmed they had my e-mail address and current mailing address I've had since XX/XX/XXXX ( which is the address the collection agencies eventually contacted me at ) and they said they would send a final statement explaining everything. They never sent anything. 


My bank reversed the charge on XX/XX/XXXX but I never followed through with any details, so my bank released the funds of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or the following business day XXXX had their payment for the final billing period. The amount they are currently asking for doesn't correspond to any past billing periods anyway of the same amount, it seems to be just a random generated amount for a period 4 months after cancellation of service and 3 months after the last payment made to XXXX 


Everything I have explained is well documented and has clarified that I dont owe XXXX anything. I have sent screenshots of the banking transactions that I outlined to the collection agencies. 


In conclusion, both collection agencies involved have been given ample evidence I don't owe XXXX anything and as a result XXXX should know as well. Both collection agencies have failed to verify the legitimacy of the alleged debt but I.C. System Inc has reported this as a real debt and tarnished my credit standing.