Consumer complaint received 2023-08-16
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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.

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