MicroCAD Training & Consulting

IC System has responded directly to Mr. [redacted] via the email address given in this complaint.

The account has been closed in our office and returned to the original creditor. Under separate cover a letter is being mailed to the consumer for his records. Sincerely,Consumer Affairs on behalf of IC System Inc. www.icsystem.com/consumer

On or about 8/13/17 the original creditor recalled the account and we discontinued all activity. Our records show a letter was emailed to the consumer on 8/16/2017. We do not show a bounce back. A paper version was mailed on 8/19/17. Attached is a red-acted copy for review. We hope this resolves this matter. If further assistance is needed the consumer is welcome to speak with our Consumer Affairs representatives by calling ###-###-#### Monday - Friday between 7:30 am - 4:00 pm CST.Sincerely,Consumer Affairs staff on behalf of IC System, Inc.

I am rejecting this response because: This is completely unacceptable; IC System apologizes for the inconvenience of unwarranted harassment due to an error made on behalf of their client.  This was reported to the credit bureau by the creditor that IC Systems represented.  IC Systems, Inc. would like to distance itself from this matter due to an error made by the creditor.  This does not dismiss the harassing phone calls and mail correspondence directed toward my family; the privilege of apologizing and excusing itself of any responsibly is absolutely unacceptable. My family and I were in fact unjustly harassed by IC Systems Inc. collection practices and significantly suffered as a result.  In accordance with the Fair Debt Collection Practices Act (FDCPA) further legal action is within reason and will be actively pursued.

IC System is no longer pursuing collection of the account. We are responding directly to the consumer under separate cover. Please contact our Consumer Affairs department if additional information is needed. Sincerely,Consumer Affairs on behalf of IC System.

We have responded directly to the consumer through the CFPB portal. A copy of that response is attached for your review. Sincerely,Consumer Affairs on behalf of IC System, Inc.

I am rejecting this response because:The business has still not provided the name and address of the alleged creditor (original, and if different: current) nor is the business even addressing the request.

Our client has provided a response to the consumer's dispute. We have sent that response directly to the consumer. Please allow for mailing time.Thank you for the opportunity to respond to this matter.Consumer Affairs on behalf of IC System, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and...

find that this resolution is satisfactory to me. I just want to confirm that this account and the derogatory information will be removed from all CRA and information will be removed from any data base and not resold.

Thank you for contacting us on behalf of the consumer. The account has been recalled and withdrawn from our files and we are mailing a letter to the consumer to confirm that information.

Thank you for contacting us. We have investigated the dispute, the original creditor verified the debt and we forwarded validation to the consumer on April 22, 2017. Please let us know if anything further is needed. Sincerely,Consumer Affairs on behalf of IC System, Inc. This communication is from a...

debt collector

I am rejecting this response because: Speaking with them they are stating the...

total opposite. Telling me that I still owe the money and they will continue to collect. I will be filing suit in the United States District Courts for the multiple violations. Violation of Bankruptcy Stay, Misrepresentation of debt, FCRA Violations, FDCPA Violations.  
Section 362(a) creates an "automatic stay" upon the filing of a bankruptcy petition that affords debtors expansive relief from virtually all post-petition collection activities by creditors, unless those activities fall within certain limited exemptions afforded by section 362(b), or unless a bankruptcy court grants relief from the automatic stay.(2)Section 362(h) was added to the Bankruptcy Code to provide an enforcement mechanism to protect a debtor from creditors who "willfully" violate the automatic stay.  E.g., In re Solis, 137 B.R. 121, 129 (Bankr. S.D. N.Y. 1992).  Subsection (h) provides that:An individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys' fees, and, in appropriate circumstances, punitive damages.

Validation has been re-sent to the consumer. This information contains a copy of the agreement...

with the original creditor, payment report, and agreement history. If the consumer still questions that obligation, we ask that she contact us separately. Sincerely,Consumer Affairs on behalf of IC System, Inc.

Thank you for contacting us on behalf of Ms. [redacted]. We have responded directly to her and provided information our client provided in response to her complaint. If she has additional questions please request she call IC System consumer affairs department at 1/###-###-####.

I am rejecting this response because:
This is not the information that I received from IC.  I received a letter telling...

me that they were removing their entry with the Credit Reporting Firms, (which is the main item), and included a report for me to file with [redacted] claiming fraud/identity theft.This is not fraud/identity theft.  In my opinion, it is gross mishandling of this account.  I have requested IC to supply me with the information that they received from [redacted] that they used to report an erroneous collection activity, (done without any prior contact with me).I don't know if Revdex.com can do anything to insure I get this information.  You have accomplished the main item of getting IC to remove the collection item from my credit reports.thank you for your help.

IC System has responded directly to the consumer.
Sincerely,
Consumer Affairs

Revdex.com:
I...

have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.So far, the collection has already been removed from Trans Union and Experian, I am only awaiting confirmation from Equifax.  I believe I C Systems has resolved this matter appropriately, and appreciate their timely response.[redacted]

The original creditor placed the account with us for collection. Two letters were sent regarding the account; there were a few telephone attempts. We will honor the request that IC System cease communication with the consumer regarding the account. The dispute has been noted. A fraud packet is attached for the consumer to complete and return to the original creditor. This communication is from a debt collector. Sincerely,Consumer Affairs on behalf of IC System, Inc.

I am rejecting this response because: I want this removed from my credit report.

We...

did not purchase the account. It was placed with our office. The original creditor has requested additional information to complete their investigation of the dispute; we have forwarded that request to the consumer. In any event, we have updated the credit reporting agencies. The consumer may wish to check with their local credit bureau in 30-45 days to ensure that their credit file has been corrected. Sincerely,Consumer Affairs on behalf of IC System, Inc.This communication is from a debt collector