MicroCAD Training & Consulting

Initial Business Response /* (1000, 5, 2015/08/26) */
Re:[redacted] Case# [redacted]
IC Reference No. [redacted]
Our records indicate this account was paid in full. On August 9, 2015 our office requested the national credit reporting agencies delete any reference of this account from their...

files and we mailed a letter directly to Mr.[redacted] confirming this information. Upon receipt of this complaint we have reiterated the deletion request to all of the credit reporting agencies.

Thank you for contacting us on behalf of the consumer. Our records indicate the account has been disputed. The original creditor is investigating, and we have ceased activity pending the outcome of the investigation. If verification is received, we will forward a copy of that information...

to the consumer under separate cover.SincerelyConsumer Affairs on behalf of IC System

Attached is a copy of IC System’s response to the CFPB.

I am rejecting this...

response because:
I never received IC System's response to my request for validation, and there is no evidence I did.  At this point they have already violated federal and state consumer protection laws.  I am respectfully requesting they request a deletion of account in this matter.  I am making every effort to resolve this matter without presenting my case before a courtroom jury in my community.  Because of their willful negligence I have suffered extensive damages.

[redacted]
IC System has closed its file. IC System will no longer pursue collection of this account. No account information regarding this file was reported to the credit reporting agencies.

I am rejecting this response because: I still wasn't shown a contract with my signature. As I stated with them because the address of service was not my address or apartment

IC System has resolved this issue with Mr. [redacted] directly.

Upon receipt of this complaint IC System ceased all collection activity and forwarded a copy to our client for their review and response.  Since we haven't had sufficient time to complete our investigation of the dispute we have stopped collection of the account pending the results of the...

investigation and have requested that any information provided to the crediting reporting agencies regarding this account be deleted or removed from their records.Our attempts to verify this debt as due and owing will continue but the debt will not be re-reported to the credit reporting agencies by IC System.Sincerely,Consumer AffairsThis communication is from a debt collector.

We appreciate you contacting us regarding this matter.  IC System has investigated the concerns in this complaint and we have responded directly to the consumer.Any further questions can be directed to our Consumer Affairs department at ###-###-####.Thank you.Consumer Affairs on behalf of IC...

System, Inc.

Thank you for contacting us on behalf of the consumer. Our client has requested this file be withdrawn, therefore, we have withdrawn the account and we have mailed a letter to the consumer on July 5, 2017 to confirm this information.

The deletion request was included on the file we sent to all of the credit bureaus on July 9, 2017. IC System has no control over how quickly those bureaus update their records. We recommend consumers check with their local credit bureaus in 30 days to ensure that their credit file has been corrected. Under separate cover we are writing directly to the consumer for his records.

Upon receipt of this complaint IC System ceased all collection activity and forwarded a copy to our client for their review.  Our client has provided validation of the debt which we are mailing to the consumer.  For privacy reasons we are not providing a copy of that...

information.Sincerely,Consumer AffairsThis communication is from a debt collector.

Attached is a copy of the response we emailed to the consumer on June 13, 2017. We apologize if it failed to reach the consumer. A copy will be mailed to the consumer today.It is our procedure to send a weekly file to the credit bureaus. However, we have no control over how quickly those agencies update their files. We recommend consumers check with their local credit bureau in 30-45 days to ensure that that their credit file has been corrected. Sincerely,Consumer Affairs on behalf of IC System, Inc.

Thank you for contacting us on behalf of the consumer. Our records indicate the consumer recently disputed credit reporting of the account, We have investigated the dispute and our client has provided information which we have mailed to the consumer today.

We respectfully disagree. We have responded to the consumer on several occasions. Sincerely, 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, as long as this gets removed from my credit report as stated. Thank you so much!  You are the best!

We certainly apologize for any misunderstanding. Not all of the information was brought to our attention. It is not clear if the collector update did not take. The accounts at issue have been withdrawn and submitted for deletion from the credit bureau. Attached are copies of letters IC System mailed to the consumer.
Sincerely,
Consumer Affairs

We are in receipt of the complaint filed by the consumer. Attached is a copy of our response to the consumer. We hope this information is helpful. Sincerely,Consumer Affairs staff on behalf of IC System, Inc.