Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4529890
Complaint Overview
Complaint ID: 4529890
Company: I.C. System, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 78332
Date Received: 2021-07-09T12:00:00-05:00
Date Sent to Company: 2021-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I noticed a collection account on my XXXX credit report that does not belong to me. The account name and/or collection agency is I C System Inc. The original creditor is XXXX XXXX account # XXXX. Date opened XX/XX/2021. The collection shows {$310.00} past due as of XX/XX/2021. I have never had an account with XXXX XXXX so I immediately contacted XXXX in an attempt to correct the error directly. XXXX was unable to locate an account for me as I am not a customer. I filed a dispute with XXXX on XX/XX/2021. I received communication from XXXX on XX/XX/2021 advising my dispute had been completed. Unfortunately, XXXX did not remove the collection from my credit report. I then contacted the collection agency, I C System Inc., on XX/XX/2021, to try and get additional information as they are the agency that reported the collection. I C System was also unable to locate me as a customer in their system. The representative searched for me by name, address/state, and social security number ; however, she could not locate a collection and stated it was clear there was an error in reporting. She advised me to contact XXXX again about the issue. I spoke with a representative at XXXX on XX/XX/2021. I went through the entire process again, and advised neither the original creditor nor the collections agency is able to locate me as a customer. He stated I needed to file a complaint with the Consumer Protection Bureau which is where I am now. I would like to have this issue resolved as soon as possible as it is negatively affecting my credit score. I do not have alot of information about the actual account and/or collection as I have never had an account with XXXX XXXX. Please contact me if you need additional information.
Frequently Asked Questions
What is Complaint #4529890 about?
Complaint #4529890 was filed against I.C. System, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-07-09T12:00:00-05:00.
How did I.C. System, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against I.C. System, INC.?
Yes, visit the I.C. System, INC. company profile at readthecomplaint.com/company/i-c-system-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.