Here goes. I have a listing on all 3 from IC systems for a long distance bill unpaid from 2001. I sent a validation letter and they contacted the OC who sent fairly solid evidence of the debt which was forwarded to me. The question. I would be willing to pay in exchange for removal of all derogatories but I could use some specific advice on how to proceed. I have heard IC is pretty hard headed so if anyone has dealt with them recently that knowledge would be helpful as well.
This is going out to them tommorrow. They are sleaze. ___________________________________ I.C. Systems, Inc. 444 Highway 96 East, P.O. Box 64437 St. Paul, MN 55164-0437 Friday, June 28, 2002 RE: File Number: XXXXXXX Dear Mr. Brown, Thank you for the attempt at verifying the alleged debt. What I received was an application and a computer printout. It doesn't even add up correctly to the total amount of this alleged debt. What is required is undisputable proof that the collection is valid and mine. A computer printout and application does not constitute undisputable proof, as you very well know. I stated I no longer wanted unsolicited phone calls, only written communication. Once again, if you are unable to furnish proper validation, I request that you delete all information regarding this debt from my credit reports and send me written notice doing so within 10 days. My fax number is 931XXXXXXXX. If I do not receive any response by July 10th 2002, I will have to resort to other measures to resolve this issue. Sincerely, The Kiyi
They are total idiots. What worked for me is this. I asked for verification of the debt from all three CRA's. TU never answered but deleted the negative. Both EX and EQ verified. Then I tried a validation letter on IC Systems. They never responded, but EX deleted exactly 30 days after IC received it, so I assumed IC told them to delete. EQ would not budge. I contacted the original creditor who wrote me a letter saying that they never dealt with me and had no records on me. Still not enough for EQ, who verified again with IC, never contacting the OC. I gave up for a while. Was tired of the whole thing. After about six months, I called IC and talked to a supervisor and let off a whole lot of anger, knowing it would not do me any good. After I calmed down, I called EQ, played nice guy, and persuaded a supervisor to delete it. Her reason was that they should have deleted after they got the letter from the original creditor. A couple morals here. IC does not verify because they can't - they don't have the proof. Keep trying, you can get it off eventually. As far as paying for deletion, I doubt it. These people have their rules and they don't budge.
I just got a letter of deletion from IC System for a paid CA in the mail yesterday. Finally! They kept verifying with EXP. In my case, it was a $25 bill that I was wrongfully billed for sometime in 1997. Not only should I have not been billed, but it was billed to the wrong address. OC called IC to delete, but they wouldn't. I called OC to delete and they claimed they billed me at the right address, LIARS, they only looked at my current address. IC also said that since I paid the account, I agreed it was mine. OC signed a letter I sent to EXP saying I was never notified of the bill and it should be deleted, EXP being the jerks they are, refused to investigate. Next, I sent a letter to IC System requesting Validation. Also, I clearly explained I was entitled to validation since I never paid the account, the rightful account holder paid the account. I included a notarized affidavit from the individual who paid the $25 balance in 1998 to further my point that I am entitled to validation, regardless if it is paid because I did not pay it, therefore I never agreed the debt was mine....which is true. Anyways, I now have my letter of deletion from IC and if Exp refuses to investigate, I swear I will sue them this time!
