Consumer complaint received 2019-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TN)

XX/XX/2019 a collection company mailed a collection notice to our old business address stating our utility company had sent our account to collections for {$630.00}. I assumed this must be some sort of mistake and had planned to send them a letter back disputing the debt. Today I get a notification that my credit had changed. I just paid off my one of my credit cards 2 days ago and had expected a small change but an increase. Much to my surprise when I log in I see my credit has plummeted by 93 points on one and 69 points on another and FICO 's dropped by 40 points. XXXX won't do anything about it. We moved out of our old location 2 years ago. We have not received one notification, one e-mail, no certified mail, no phone calls nothing about there being a remaining balance. In fact at the time we cancelled our account we we had overpaid because we had a deposit on the account. We were told by XXXX staff that if the deposit didn't cover our final bill we would be sent documentation to support that. If it did, nothing else needed to be done. We never heard anything else from them until I received this collection letter a couple of weeks ago. I have AVIDLY been working to get my credit to where it needs to be bringing my score up nearly 200 pts in the last 18 months. It would be stupid to let a {$630.00} balance ruin what I have worked so hard. If it was valid and the documentation supported it I would have paid it. Honestly, I probably would have paid it just to make sure something like this did happen. 

One other point about this I am uncertain of. The damage to my credit is being done by an " Account '' being added as a closed account that was closed and placed for collection for the amount of {$410.00}. It says the account was closed XX/XX/2019 which differs from the collection notice. We had two bays at my previous location which incurred 2 different utility bills every month so I am curious if there is going to be a second hit if this collection notice for {$630.00} is one unit and the {$410.00} is another unit.

I will upload the collection letter and the information about the closed account. The accounts shows 5 years of history yet there is no payment history, not high balance, no monthly payment, no late payment info, no worst payment status. Nothing, just closed with a balance of {$410.00}. 

You will also notice the documents are being mailed to our old address at XXXX XXXX XXXX. We setup mail forwarding for 6 months after moving. Additionally we only moved a 1/2 mile down the road to a bigger location. We had the same mailman and as a result he would give us our mail even if it was mailed to the wrong location. So regardless they had 6 months to send notification of the balance and we would have definitely received it. They also had my e-mail address on file and could have send notification that way as well. 

Lastly, I have lived in the same house the entire time, where I also could have been mailed something. 

So to be clear I am disputing the collection charge for {$630.00} and the " closed account '' with a balance of {$410.00} that is harming my credit.