Consumer complaint received 2019-07-07
Company: I.C. System, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 
( b ) Amendment of section No other provision of law, enacted before, on, or after XX/XX/XXXX, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section. 
( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee.

( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : XXXX XXXX XXXX FOR {$3900.00} IC SYSTEM FOR {$540.00} XXXX XXXX FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a Total and Permanent XXXX ( TPD ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/XXXX for {$3900.00} ; one last reported XX/XX/XXXX for {$26000.00} and one last reported XX/XX/XXXX for {$270.00}. The others correctly reflect the TPD. 

Finally, one last reported by XXXX XXXX XXXX on XX/XX/XXXX for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XXXX, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.

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