Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11771747
Complaint Overview
Complaint ID: 11771747
Company: International Computer Systems, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Michigan
ZIP Code: 48021
Date Received: 2025-01-24T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XX/XX/2025 Dear [ Credit Reporting Agency, I am writing to formally dispute a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which holds entities liable for negligent non-compliance with the requirements under the FCRA. It has come to my attention that [ describe the nature of the issue, e.g., inaccurate information, failure to update records, etc. ] has occurred in my credit report or file, and this represents a failure to adhere to the standards outlined under the FCRA. As outlined in Section 1681o, I understand that negligent non-compliance by a credit reporting agency or creditor can result in civil liability for actual damages, punitive damages, and attorneys fees. I believe that the incident described here constitutes such non-compliance. I respectfully request that you take immediate corrective action to resolve this matter by correcting the credit report, updating inaccurate information Here are the specific details of the dispute : Issue Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documentation : Impact on Credit Report : These incorrect items i've been trying to remove while in the process of buying and home. I request that you respond to this dispute and resolve this issue within the timeframes prescribed by the FCRA. I expect a prompt resolution, as failure to comply with the requirements under FCRA Section 1681o may result in further legal action. Please contact me at XXXX or XXXX should you require any additional information or clarification. Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11771747 about?
Complaint #11771747 was filed against International Computer Systems, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-24T12:00:00-05:00.
How did International Computer Systems, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against International Computer Systems, INC.?
Yes, visit the International Computer Systems, INC. company profile at readthecomplaint.com/company/international-computer-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.