Date Received: 2018-01-21
Product: Other debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.
Company: I.C. System, Inc.
State/Zip: FL 331XX
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Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2788648
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.