Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, a debt collection letter, from IC System Inc, was sent to my home address with my first name ( different last name ). I called the debt collector as soon as I received this and filed a dispute. I asked how the debt collector received my information for this if this was not my debt, and they explained they received the information from the company that they were collecting the debt for, XXXX XXXX XXXXXXXX XXXX and XXXX ( XXXX ). IC System also explained that this would halt any actions on the account so that it would not affect my credit. I called XXXX on XX/XX/year> to see if they could correct this mistake and was told that to correct anything, I'd need to file a police report. I filed a police report with the local XXXXXXXX XXXX XXXXXXXX as I initially suspected this was a case of identity theft. After filing the report, I called XXXX later that evening to see if there was any kind of documentation on file, such as an application to open the account, to see if my personal information was used. The representative I spoke to at this time explained that accounts could be opened verbally. I asked how this mix up could have happened ; she further investigated and explained that when the account was opened, the customer was verified using a social security number OR date of birth. She concluded that the XXXX employee may have made a mistake and incorrected selected my name/information in the system. I was instructed to still file/send a police report to prompt XXXX to send a fraud packet ; the fraud packet was what they'd use to correct the information in their system. I sent the police documentation on XX/XX/year> to XXXX. On XX/XX/year>, I was notified through XXXX XXXX that my XXXX XXXX had decreased due to a debt in collections ( IC System Inc ). I called XXXX on XX/XX/year> and spoke to three representatives. The first rep stated that the fraud packet still hadn't been sent out and that she needed to forward my inquiry on. The second rep stated that the fraud packet had been sent out twice, to the incorrect address. The third rep ( a senior rep ) stated that the fraud packet had not been sent out yet and that it would be in the mail that night. She asked who stole my identity, to which I responded, that XXXX had already admitted their fault of making this mistake. I called IC System on XX/XX/year> to find out why this had hit my credit score. The representative I spoke to continuously suggested that I knew who had opened the account and insisted that this was a close friend or family member. I explained several times that I did not know the customer and that XXXX admitted to a mistake on their end. This rep also indicated that she saw that I had disputed this charge in XXXX and that it was substantiated by XXXX. She also stated that XXXX " substantiating '' the dispute meant that I owed the debt. I asked for this in writing. She said that it was mailed to me in XXXX, I stated that I never received anything for this otherwise I would have taken action much sooner. She said that she could " try '' to request it again, but that no one has ever requested a second one. On XX/XX/year>, another collections debt affected my credit as well as a hard inquiry, both of which are not mine. I reached out to both companies ; they have nothing associated with my personal information. I believe this information was merged due to the mistake made by XXXX. Today is XX/XX/year> and my credit score has decreased further due to the new adverse hits on my credit report and I have still not received the fraud packet.

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