Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6667715

Complaint Overview

Complaint ID: 6667715

Company: I.C. System, INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account status incorrect

State: Florida

ZIP Code: 34203

Date Received: 2023-03-08T12:00:00-05:00

Date Sent to Company: 2023-03-08T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

In XXXX of XXXX, I purchased an XXXX XXXX as part of my XXXX XXXX. One year later, XXXX of XXXX, I paid the phone off early and moved my service to XXXX. Unbeknownst to me, XXXX continued billing me $ XXXX for data charges for the remainder of XXXX with the final balance being {$230.00}. These bills were being sent to an old XXXX address that I was no longer using so I was unaware of the charges. In XXXX of XXXX, XXXX moved the account into collections at IC System. After being contacted by IC System, on XX/XX/XXXX, I paid IC System {$230.00}. I paid the amount IC System said was due to XXXX and was informed that the account was paid in full. At that time, the account was not showing up on my credit report. I received documentation from IC Systems stating the XXXX account balance was XXXX. In XXXX of XXXX, I saw that I had a collection from XXXX for {$2.00} on my credit report. I contacted XXXX, was told there was still an outstanding balance, even after IC System said the balance was paid in full, and I paid them {$2.00} at that time. The {$2.00} plus the previously paid {$230.00} equals {$230.00} which was the amount of my final bill from XXXX that I just recently found in my old XXXX email account. I dont know where the disconnect was between IC System and XXXX on the amount due but it has caused nothing but issues for me. IC System collected the wrong amount and XXXX put the remainder ( {$2.00} ) on my credit report. It was in XXXX of XXXX that XXXX first re-aged my account on my credit report. At that time, it had been appearing as a charge off dated XXXX of XXXX. After I paid the {$2.00}, they changed it to XX/XX/XXXX. Although I paid the full {$230.00}, the account is still showing on my credit report as legally paid for less than the full balance. Im working on getting a business line of credit and need to have this XXXX collection removed off of my credit report. I contacted XXXX and asked for a goodwill deletion. I had been a customer for many years, never in collections, and paid the amount that was due after the account was closed immediately upon learning about it. XXXX replied back declining the goodwill deletion and stated that the payment I made was made in response to a negotiated settlement offer. Not true. Just this past week, I am seeing that XXXX has once again re-aged the charge off. This time it is appearing as XX/XX/XXXX making it look like a fresh charge off.

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