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Complaint Details
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Initial Complaint
07/17/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
CREDIT SYSTEMS INTERNATIONAL *** **************************************************************** ACCOUNT#************ U.S. Code 1692e - False or misleading representations Instruction: Provide proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. In addition please provide the contract signed between US DERMATOLOGY PARTNERS, notarized and sworn under penalty and perjury for CREDIT SYSTEMS INTERNATIONAL *** ability to collect this alleged debt. The non-creditor advised that they have sent me records via mail in the past explaining this debt however I never received these alleged documents. Were these documents mailed certified mail? I dont believe this non creditor and feel that they are not being honest . Please send all validating records through the BBB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address
Business response
07/30/2024
Credit Systems International, Inc. regrets any inconvenience that ******************************* may have experienced due to this matter. We have requested that this account be deleted from the credit reporting agencies. If ******************************* has any additional questions, we ask that they contact our office and speak to one of our helpful agents.Customer response
07/30/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*******************************Initial Complaint
07/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
The basis for my dispute Credit Systems, ***************************, CEO,CREDIT SYSTEMS,CREDIT SYSTEMS,$605 - was required to notify me prior to 12/21/2020, or no later than 30 days after.CREDIT SYSTEMSfailed to notify me about reporting derogatory info. toEquifax, Experian.In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); The notice required under subparagraph (A) shall be provided to the customer prior to, or no later ****** daysafter 12/21/2020, furnishing the negative derogatoryinformation to a consumer reporting agency described in section 603 (p), 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus brokecommerciallaw under UCC ***** that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.Also, CREDIT SYSTEMS" failed to give me my ************** five days prior to placing this derogatory item on all of my credit reports, per Section *************** 809, which is $1000 per violation and the state of TX allows treble damages.Under 809. Validations of date and Mini-Mirandiunder Section 807(1)Credit Systems, ***************************, CEO failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the ***** I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by theFTC,and that my state attorney general can also enforce this with a $1000 penalty as well.I attached a copy of the law and the actual document from the federal reserveCREDIT SYSTEMSis held liable as well for defamation and in the state of TX a creditor is who collectstheiron debt is considered a debt collector under FDCPA. ***** v. Heard 980 S.W.2d693(Tex.App-San ******* 1989reh.den.) citing ************************** 936 S.W.2d 654(Tex.App-Dallas 1996 writdism'dw.o.j.)Business response
07/30/2024
Thank you for contacting Credit Systems International, Inc. with your concerns. We are happy to assist in finding a resolution however; we are unable to locate an account in our system with the information provided in the complaint. Please provide the consumer's name, an account number, a partial account number from the ********************** report, the creditors name, or other identifiable information so that we can be of assistance. If you have any additional questions, please call our office directly and speak to one of our helpful agents.Initial Complaint
07/03/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with ************** I do not have a contract with credit systems international **** they did not provide me with the original contract as I requested.Business response
07/03/2024
Credit Systems International, Inc. regrets any inconvenience that ******************************* may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If ******************************* has any additional questions, we ask that they contact our office and speak with one of our helpful agents.Initial Complaint
06/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am disputing this account for the following reasons:Lack of Knowledge: I have never received any correspondence or communication from Credit Systems International **** regarding this alleged debt. As such, I am unaware of any obligation to this creditor.Incomplete Information: The information provided on the account is incomplete. Without further details regarding the nature of the debt and its validity, I am unable to verify its accuracy.Violation of Fair Credit Reporting Act: The inclusion of this inaccurate and unverified information on my credit report violates my rights under the Fair Credit Reporting Act.I hereby request that Experian investigate this matter and remove the disputed account from my ********************** report until its accuracy can be verified. I also request written confirmation of the investigation results and any actions taken as a result of this dispute.I am aware of previous cases where Experian has been sued for similar violations of consumer rights under the Fair Credit Reporting Act. Given these precedents, I am confident that Experian will take swift and appropriate action to rectify this matter. However, if necessary, I am prepared to pursue legal action to ensure my rights are upheld.I hereby request that Experian investigate this matter immediately and remove the disputed account from my ********************** report. I expect this action to be taken promptly. Additionally, please be advised that I will be cc'ing this letter to the ************************************ (CFPB) and the ************************** I also request written confirmation of the investigation results and any actions taken as a result of this dispute.Business response
06/19/2024
Credit Systems International, Inc. regrets any inconvenience that *********************** may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If *********************** has any additional questions, we ask that they contact our office and speak with one of our helpful agents.Initial Complaint
06/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt that is on my credit report with CREDIT SYSTEMS INTL IN. I did not sign or have a contract with this credit collection agency. After requesting they have not provided me with the original contract as i requested. Please help!Business response
06/19/2024
Credit Systems International, Inc. regrets any inconvenience that *********************** may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If *********************** has any additional questions, we ask that they contact our office and speak with one of our helpful agents.Initial Complaint
05/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am liable for any debt with RELIANT ENERGY RETAIL SRVCS. I do not have a contract with CREDIT SYSTEMS INTL IN. They have failed to provide me with the original contract as I requested.Business response
06/19/2024
Credit Systems International, Inc. regrets any inconvenience that ************************* may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If ************************* has any additional questions, we ask that they contact our office and speak with one of our helpful agents.Initial Complaint
05/20/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am not liable for this debt with ************** I do not have a contract with Credit Systems International, Inc. They did not provide me with the original contract as requested.Business response
06/19/2024
Credit Systems International, Inc. regrets any inconvenience that ********************* may have experienced due to this matter. We have noted this dispute in our office and have updated the credit reporting agencies accordingly. CSII is investigating this dispute and will provide verification of the debt directly to the consumer. If ********************* has any additional questions, we ask that they contact our office and speak with one of our helpful agents.Customer response
06/21/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*****************************Initial Complaint
05/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I DO NOT KNOW WHO CREDIT SYSTEMS INTERNATIONAL IS AND DO NOT HAVE AN ACCOUNT WITH THEM OR ANY INFORMATION OR COMMUNICATION FROM THEM! They reported to Transunion and Experian and both bureaus deleted them and they are now trying to re-report to Equifax.Business response
05/28/2024
Credit Systems International, Inc. regrets any inconvenience that *********************************** may have experienced due to this matter. We have requested that this account be deleted from the credit reporting agencies and it was returned to our client, ********************* Company. If *********************************** has any additional questions, we ask that they contact our office and speak to one of our helpful agents.Initial Complaint
05/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received a notice that I have a collection from Credit Systems Intl In on my credit report. It says it was opened on 1/1/2024 for $320 with account number starting in ********* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.Business response
05/28/2024
Credit Systems International, Inc. regrets any inconvenience that ************************* may have experienced due to this matter. We have requested that this account be deleted from the credit reporting agencies. If ************************* has any additional questions, we ask that they contact our office and speak to one of our helpful agents.Initial Complaint
05/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
CSII claims that I have a debt with an anesthesiologist, *********************** via *********************** in ***********, *****. I have contacted the billing department at *********************** and they have specifically indicated that I owe nothing. At that point I contacted ************************* and he no longer has an office. I asked CSII to send me specific information about the date of service, amount owed, the service provided, the doctors name, and the contact information of their billing department. What I received only had partial information including only the amount owed, date of service and the provider. It wasnt enough information for me to do my own research and find out what the bill was for or specifically where it was from. When I called CSII again, they indicated that the bill was verified. I asked them who they spoke to and contact information so that I could track this down. The agent told me she didnt have that information. By law they HAVE TO provide a way for the consumer to research the debt to make sure its not fraudulent. My current credit score is above 800. I dont want that ruined by a debt collector who seems fraudulent. I would like for them to provide all the information and phone numbers so that Im able to trace this debt back to the original business and verify it.Business response
05/28/2024
Credit Systems International, Inc. regrets any inconvenience that ****** ******************* have experienced due to this matter. This account has been cancelled from our office. If ************************* has any additional questions, we ask that they contact our office and speak to one of our helpful agents.Customer response
05/29/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
*************************
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Get a QuoteCustomer Complaints Summary
163 total complaints in the last 3 years.
92 complaints closed in the last 12 months.