Consumer complaint received 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
There has been an improper derogatory report placed on my credit by IC system with respect to my prior account with XXXX XXXX XXXX XXXX. This is an incorrect report, it must be removed from my credit report in its entirety. 

I switched to XXXX for both my TV account and cell phone account In XX/XX/XXXX. 

My prior TV account and mobile phone account was with XXXX XXXX XXXX XXXX. 
After I had completed all my obligations in full with XXXX XXXX XXXX XXXX, I received a bill stating that I owed {$130.00} which was not correct, I had paid them in full. I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire why I was still receiving a bill that was still showing a balance owed. I spoke with XXXX. XXXX looked at the account and told me that the only reason that a balance was shown as still being owed was because I had not returned the XXXX rental equipment, and that the account could be corrected when the rental equipment was returned. I told XXXX that I had already returned the equipment shortly after I had ended my XXXX services and went to XXXX. XXXX asked me to give him the XXXX   return reference number for the XXXX  store return and he would be able to correct the account balance to accurately reflect nothing owed. I told him I was not at home, where the XXXX  receipt was, but when I got home I would call him. He said OK. When I returned home, I found the receipt, called XXXX at XXXXXXXX XXXX, gave him the reference numbers for the the return on XX/XX/XXXX to XXXX  store XXXX and he said that he would correct the account to accurately reflect nothing due. I received no further invoices from XXXX. There is no evidence that XXXX XXXX or IC systems contacted XXXX on this. They very well should have done this, that telephone call with XXXX was likely recorded. That would clear this all up. The IC report is improper and must immediately be corrected and removed from my credit report. 

IC system is a collection agency. I had no direct dealings with them whatsoever. I receive no notice whatsoever from them about any money being owed on my account. The first I knew this when I received a report from my credit watch that something was going on. This is totally unacceptable. 

Upon learning of this wrongful derogatory information being on my current report, I went online to fill out a dispute report on XXXX. I had great difficulty utilizing their website. I was limited to quantity of information I could type in, and was not able to upload documents, they kept on timing out, or saying cant be done now. Thus there was only a small statement that i was allowed to submit. That same night I called XXXX up and asked what can I do about it, and they told me that I should mail the attachments in to them, ( the attachments that I wanted to upload but was not allowed to ). 

I mailed these documents, which I am attaching to this filing, but before they even received them, they denied my dispute. This denial was received on line. 

in addition i received two denials in the mail as I further objected. 

This is impacting my credit and both XXXX and IC Systems are at fault. 

Thank you for investigating this for me and I trust, having it corrected. 

On line XXXX dispute report : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Remarks. Here is how this account appears on your credit report following our investigation. 
I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX See attachments for : Dispute statement mail to XXXX Proof of return of XXXX equipment that I used To provide XXXX with the information he needed to show that the equipment was returned after which he said that my account which show no balance The text I received in XXXX from XXXX a different collection agency and my response thereto. I never heard anything further from XXXX  two excerpts from the two XXXX dispute reports I received from XXXX one dated XX/XX/XXXX, one dated XX/XX/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