Consumer complaint received 2020-08-19
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, My Identity was compromised back in XXXX and someone opened an account with XXXX AKA, XXXX in Michigan. For your information, I live in Florida, and I have never lived in Michigan and never opened an account with XXXX there. The fraudulent amount was {$230.00}. 
I found out this identity theft incidence when it came up on my credit report back in XXXX, XXXX. 
Right away I have reported this incidence to XXXX XXXX XXXX Police Department in Florida where I reside on XX/XX/XXXX. 
Police case # XXXX. 
On the same day I called XXXX customer service department and ID theft Department. Per their instruction I have sent " ID Theft Package '' to XXXX back in XX/XX/XXXX to solve this Identity theft issue and take the fraudulent charges from my record. I collected data, filled-out the form and faxed them the complete package ( Attached with fax confirmation ). But they have not done anything about it. I would like to mention here, I have been XXXX customer for my home in Florida from XXXX. 
On XX/XX/XXXX I see in my credit report that a collection company named-XXXX XXXX placed a derogatory collection notice/allert on my credit report in Experian. At this current moment I have applied for mortgage for my home. This is causing a huge problem getting mortgage loan. 
I have called XXXX on XX/XX/XXXX and spoken to customer service and fraud protection department @ ( XXXX ) XXXX and they said they can not find previously submitted file and I have to file it again. The customer service representative said to submit the same file with supporting documents. I have submitted that on that day ( XX/XX/XXXX ). 
When I called back, they said that it can take 30 to 90 working days to get a finding on this fraud claim. 
XXXX Reference # XXXX I have also called IC Systems, the collection company. When I called first time a person name XXXX took the police report number and said that she will take care of it. Second time I called on XX/XX/XXXX a lady name XXXX and supervisor XXXX said that, they can not do anything on this. I am attaching the collection letter for your information. 

I am sending this complaint because : 1. XXXX opened a fraudulent account on my name in Michigan without verifying with me when I have an existing account with them.

2.XXXX has been very negligent about processing the ID theft claim I have submitted on XX/XX/XXXX. 
3. They have never taken any action or taking this fraudulent charges from their inventory. This negligence causing me and my family a huge financial burden. 4.
Going through this hurdles, I have spent at least 50 hours just to monitor my credit, trying to solve this issues, spending on phone with collection companies and XXXX. I have lost wages for those hours in last 2 years. I am a XXXX  in the State of Florida. I have lost at least {$3000.00} worth of wages because of this issue. 
Every time I called XXXX, it is huge run around and no solution to be found. 

Thus please help me solve this issue by removing this fraudulent charges from my name and removing this collection/derogatory report from credit bureaus from my accounts Should you have any question, please do not hesitate to contact me at XXXX XXXX XXXX XXXX. 
Thank you!. 
-XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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