Consumer complaint received 2023-06-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
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

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