I.C. Systems, Inc

rubyruby27 · 08-26-2007, 12:37 AM

Just look at privacy guard and found a new collection account from I.C. Systems, Inc for 75.00 I have no clue as to who this is or who the OC is?

Just remembered a parking ticket I got and didn't pay, apparently I put it in my legal folder that I haven't looked at in months--does the city use collection agency's

They said it was open June 2007, the hard copies I pulled in July they are not listed.

I haven't heard anything from them so far.

Do I send a DV saying just noticed your on my report and/or do an online dispute--have a written dispute in progress. Do I leave it alone for now.

centex · 08-26-2007, 12:49 AM

Some municipalities do contract out when tickets are not taken care of in a timely fashion...if you are lucky, it is ONLY a collection and not some other administrative remedy that has been put into motion, to include an additional citation for failure to appear. Let us not forget that some jurisdictions will boot the vehicle with a record of unpaid tickets...I used to watch at least one college kid a week get the boot since they were stupid enough to park in a patrolled area with unpaids...

rubyruby27 · 08-26-2007, 01:01 AM

Thanks Centex,

I would hope they would have sent me something in the mail if it was the city? I haven't recieved anything.

Guess I need to go to the court house and pay this ticket asap.

rubyruby27 · 08-29-2007, 02:38 PM

I found out what this is about.

On a temp travel assignment in 04, I lived in VA, this is a water bill from the W Virgina Water Authority. While I don't remember if I had to pay a deposit back then or not. I never got a bill from them.

I called IC Systems and they said they sent me a letter in July that was returned by the post office saying I didn't live there, which is ridiculous in my opinion.

This person really pissed me off, she said that I called them and denied it was my debt last month that I never lived at that address. Which is poop, as they just put in on my CR this month.

If I do owe this I will pay it to the water company but not this jerk. Any advice.

hannah · 08-29-2007, 02:49 PM

Quote:

Originally Posted by rubyruby27

I found out what this is about.

On a temp travel assignment in 04, I lived in VA, this is a water bill from the W Virgina Water Authority. While I don't remember if I had to pay a deposit back then or not. I never got a bill from them.

I called IC Systems and they said they sent me a letter in July that was returned by the post office saying I didn't live there, which is ridiculous in my opinion.

This person really pissed me off, she said that I called them and denied it was my debt last month that I never lived at that address. Which is poop, as they just put in on my CR this month.

If I do owe this I will pay it to the water company but not this jerk. Any advice.

Call the water company and pay them. IC Systems to my knowledge does collections only and doesn't purchase debt. If the water company says they cannot take your payment, ask for a supervisor. Go all the way to the top if you have to. Specifically tell them that you had no knowledge of this debt and that you will not deal with a rude collection agency. Remind them that the SOL for this debt (open account) is three years in VA and it is OOS.

After paying the water company, dispute the tradeline. They should go away.

rubyruby27 · 08-29-2007, 03:10 PM

Thank you Hannah, I just called them and found out what this was about.

Apparently they transposed my address number and sent the bill to someone else who called and said it ain't mine.

They are going to decrese the amount to what I owed as a final bill which is 50.00. My concern was the negative TL, I ask them to call the collection agency and tell them to remove thier TL since it was thier error on sending me the final bill. The person I talked to said she didn't know if they would do that I told her that error was costing me 25-50 pts on my CR and I was refinancing and now I would be subprime. I was getting punished for someone else's error.

We will see if they will do that she is calling me back.

hannah · 08-29-2007, 03:24 PM

Quote:

Originally Posted by rubyruby27

Thank you Hannah, I just called them and found out what this was about.

Apparently they transposed my address number and sent the bill to someone else who called and said it ain't mine.

They are going to decrese the amount to what I owed as a final bill which is 50.00. My concern was the negative TL, I ask them to call the collection agency and tell them to remove thier TL since it was thier error on sending me the final bill. The person I talked to said she didn't know if they would do that I told her that error was costing me 25-50 pts on my CR and I was refinancing and now I would be subprime. I was getting punished for someone else's error.

We will see if they will do that she is calling me back.

That would be FCRA and FDCPA violations and maybe Florida violations as well for reporting a debt that was in error.

centex · 08-29-2007, 06:14 PM

Quote:

Originally Posted by hannah

That would be FCRA and FDCPA violations and maybe Florida violations as well for reporting a debt that was in error.

It would likely depend on what steps were taken once the error was pointed out by Ruby...else there may be a legitimate bonafide error defense that can be raised.

rubyruby27 · 08-29-2007, 09:51 PM

They told me that they couldn't do anything about the cr but they gave me a name of a person to contact concerning this--I will send out a letter to her and inform her that the address they wrote down was transposed and I never recieved this bill and to please remove this account from the collection agency, this account was paid in full when I became aware of it.

I believe ICS has violated the FCRA with reaging but without a hard copy I can't tell for sure.

I do have a question, I looked ICS up as there was no phone number on the credit reports. On there web site it said the following is this a violation------If you have noticed that we are on your credit report call this number. It wasn't toll free, it was long distance.

rubyruby27 · 10-15-2007, 08:01 PM

Here's the deal with this one, I immediatley paid this account. I then tried to contact the person I was referred to I finally reached her last week, she passed the buck to someone else. She said she would have this person call me back, which she did I wasn't home to take the call. I have since left 4 messages as to when I was available to discuss this matter. To date no return call.

I did get the general counsel address and phone number, I was planning on writing the Collection Supervisor a letter saying something to the effect remove from the CA or I will take further action
and cc to attorney.

Is this the best avenue or just to the attorney.

Refresh anyone's memory, this is a water bill from VA that was sent to another address not mine.

I will also send to the CA--- they are saying that I paid a settlement for less then owed.

This is ridiculious for a lousy 50 water bill.

rubyruby27 · 10-15-2007, 10:00 PM

Any UCC laws in Virgina I should know.

hannah · 10-15-2007, 11:23 PM

Quote:

Originally Posted by rubyruby27

Any UCC laws in Virgina I should know.

If I have a chance tomorrow I will look.

rubyruby27 · 10-16-2007, 04:08 PM

Thanks Hannah,

I think I need more info.

Finally I talked to the 3rd person I had been referred to and she doesn't have the authority to do anything. She referrred me to someone else-her manager, I asked her if he had the authority--she didn't know, I called and left him a message he called me back, apparently he doesn't but is looking into what to do. I could just scream.

Here is what he said:

On 9/30/04 I called to DC the water and was told they would send a bill to my home in Florida (I am sure they did, however I don't remember), the fact that they sent a bill to the wrong address is sufficient the law doesn't say I have to recieve the bill. The fact is that I should have called when I didn't recieve the bill is my fault----Therefore there is no error on thier part.

Is this bull or am I screwed.

The collection manager is calling me back with an answer--who is he talking too I.C. Systems to see if they can pull it or not. We know that answer.

I just wrote the letter to the lawyer last night was going to mail it today, now I need to find out if the fact they mailed it to the wrong address but I knew I had an outstanding water bill that I have no legal standing.

Any opinions on what legal standing I have, if they refuse to delete I will revise my letter to thier attorneys and file suit if necessary.

Thank you

rubyruby27 · 10-17-2007, 12:44 AM

Hannah,

I do have another question, perhaps you know the answer.

The $25 service charge that was negated is actually a fee the state charges if they withhold this money from your tax return, now I don't know how I got all my taxes back if they sent this to the State but I did so there really wasn't a $25 charge.

The money that I owed the water dept was paid in full is it illegal for the CA to report that a settlement was accepted if the account was paid in full.

I figure this hit my CR as I was repairing/disputing and it probably is the reason for the major dump in my scores.

Thanks for the help.