Innovative Credit Solutions

Review: Innovative Credit Solutions appears on my credit report as a negative and owing them $1578. They claim this was for an old 2005 [redacted] debt with original credit of $300. I paid on this old debt as much as I could and eventually cleared. My credit limit was never to the point of $1578, as I was unemployed on and off over the years, and if I was accepted for credit, the limit was rarely over $300. Innovative Credit Solutions also fraudulently ran a hard copy of my credit report, which I never authorized and consequently pulled my overall credit score down. On February 13, 2014, I reported this incident to Consumer Financial Protection Bureau; and on February 21, 2014, they report, "We usually can quickly send complaints to the company for a response. Sometimes it takes longer to correctly identify and register the company. We're still working to register the company you identified." I would appreciate any help you can send my way. This company sounds as if they are using fraudulent actions to fill their coffers.Desired Settlement: A satisfactory solution would be that Innovative Credit Solutions be investigated and be completely removed from my credit report, by notifying the credit agencies, i.e., Experian, Equifax, and TransUnion and removing the hard copy they ran of my credit.

Consumer

Response:

Attention: [redacted]

The Revdex.com

This email is to notify you that I did receive a letter from Innovative Credit Solutions dated March 11, 2014,

which is attached. According to the letter, they are deleting and removing their trade line from all credit

reporting agencies. I appreciate the time and effort you took to contact this company. It has proved beneficial.

Thank you so much,

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

Review: Upon checking my credit report recently, I find a collection for HSBC, for which I have never had a credit account. I have never been contacted by anyone, either by phone or mail. This totally came out of the blue and I have not been sure how to get this negative blip off of my credit report. Then today, all of a sudden, I get a voicemail that I have important documents for me at an address that I lived at over 5 years ago. I became disabled back in 2004 and my credit took a huge hit. There is NO WAY that anyone would have given me credit at that point, so I know this is bogus. Is this a scam? I looked up this company on internet and it said it was an employment agency. How can they put things on your credit report? The mistake on my credit report is causing great consternation and stress. Aren't companies required to contact you before ever putting things on your credit report. I have worked hard to re-establish credit and this is hurting me a lot, especially since it seems totally unfounded.Desired Settlement: I want this item removed from all of my credit reports. Resolve the debt issue. Find out if someone else opened this account in my name. I need to know if I should consult a lawyer for false and illegal debt collection practices.

Review: Innovative Credit Solutions continues to pull monthly Credit Checks on my Credit Report. This Third Party Collection Agency is trying to collect on a debt I negotiated and settled and PAID with the original creditor. ( and I have the paperwork to prove it!)

They state their account was opened in 2014. ABSOLUTELY UNTRUE! and mark my payments as late. They have hounded me about this since before 20011. I have been disputing this with Experian since 2011. The only thing that changed, was that Experian noted my dispute.

They have negatively affected my credit score for years.Desired Settlement: I want the constant credit checks, letters, and phone calls to CEASE.

I want the negative remarks and status removed from my credit report.

I want the entire Innovative Credit Solutions Account removed from my credit report.

If they are not simply willing to do this, then I want them to provide PROOF of Debt... ( as I stated earlier I DO have proof of negotiated settlement, terms, and my receipts of payments made.)

Review: I believe that this debt stemmed from a Credit One credit card with a $300 credit limit that I had back in 2011. I had NO IDEA who innovative was until I received a Transunion alert that this had been placed on my credit report in May 2014. I had been pick pocketed days before so I immediately had this account flagged for fraud. I called and spoke with a gentleman at Innovative. He stated that this was for the Credit One cc and told me the balance was $1202! I immediately disputed and asked for a statement of account as this credit card had a limit of $300 so for it to now be at 1202 is outrageous!!!!! He said that they would settle for half of the amount and completely remove the item from my credit report. I spoke with my mortgage loan officer about it who advised me that I need to have them put the terms of the agreement in writing. When I called back another rep answered the phone and was saying that this account could not be settled. I am NOT disputing that I owe the money to Credit One. However, I am disputing the amount as well as innovative showing up on my credit report. I have revived NO communication from them since they placed this item on my report. I have asked that this debt be verified and that has yet to happen. I worked for a collections attorney for 11 years soI know that this information should have been provided to me the moment that I requested it. I am more than willing to settle this account and have this removed from my credit report as innovative did not follow FDCPA regulations.Desired Settlement: I am willing to settle this account and would also like to have this item removed from my credit report as I was never notified of this claim and I am in the process of purchasing my first home. A statement oft account was never provided and FDCPA regulations were not followed by Innovative.

Review: To whom it may concern, Over the past several months, I have received numerous harassing phone calls from Innovative Credit Solutions. The representatives calling would often say they were Investigator Smith or other last name impersonating someone from Law Enforcement. When I questioned them asking who they were or where they were calling from, they were evasive and told me it wasnt important. They continued by saying what is important is you have an outstanding debt and we are calling to find out how you plan on paying it. If you do not pay the debt, were going to issue a warrant for your arrest. I told them I didnt know what this was about and didnt believe it was my debt. Most calls would end shortly after that with them telling me they were going to issue a warrant for my arrest. No police or sheriff ever arrived with any such paperwork or warrant. On a separate occasion, my son who had just graduated from Widener Law School answered the phone when Innovative Credit Solutions called. The person calling informed my son they were an attorney calling for [redacted] (Last name withheld) and asked if he was [redacted] (Last name withheld). Since my son is also named [redacted], he said, Yes, this is [redacted] (Last name withheld). The person calling said they were calling about his unpaid debt. My son said you said you were an attorney, what law firm are you calling from? They replied Oh Im not an attorney and refused to give him a name of a law firm they claimed they were calling from. My son asked them to mail the information to him because he refused to discuss personal information over the phone. They became irate and told him he needed to pay the debt. My son informed them they violated the law by representing themselves as an officer of the court saying they were an attorney, and also violating the law under the [redacted] requiring them to provide in writing the creditor attempting to collect the debt and also the amount of the debt. The person calling began to curse and yell at my son to which he hung up the phone. Following that call, he advised me to learn what my rights were concerning these aggressive and harassing phone calls. When I researched the information under the [redacted], any subsequent calls received I asked specific questions related to who was calling and what it was pertaining to. With all subsequent phone calls, I would tell the representative I was refusing to discuss any personal information over the phone and requested they mail the information to my home validating the debt. They said, we dont operate like that anymore. In this day and age we dont mail stuff out to people. Again I requested they mail the information to me to validate the debt and hung up the phone. This type of call continued until mid to late September. I received these calls from late April early May to mid to late September. One such call was received by my wife. She answered the phone and the person calling said they filed legal documents because I had committed bank fraud by taking on debt when I was disabled. My wife told them we hadnt had taken on any loans or credit cards in several years and they had to be mistaken. They threatened her saying we filed legal documents and your husband will be arrested for bank fraud. I called the phone number back from caller id informing them I did not take on any loans or credit cards in several years. They just continued saying we filed legal documents and you will be arrested. I asked them for the docket number of the legal documents but they refused to answer me and hung up the phone. I have never received any such documents nor has anyone arrested me concerning this matter. In closing, Innovative Credit Solutions has on many occasions violated the Fair Debt Credit Practices Act using deceptive, abusive, and unfair tactics to collect a debt that I have never received any verbal or written validation of. When repeatedly being asked to mail the debt information to me validating the debt, Innovative Credit Solutions refused to comply with the law. I am not aware of any such debt I have or had with a company called Innovative Credit Solutions. Due to these violation and refusal to validate this debt, I am requesting immediate removal of this information from the following three credit bureaus: [redacted], [redacted], and [redacted].Desired Settlement: Removal of negative report to the following three credit bureaus: [redacted], [redacted], and [redacted]

Review: This company has placed a collection on all 3 of my credit reports for something I am not even aware of. I have never received anything from this company, have no idea what this collection account is for and never knew anything about it until I had my credit reports pulled. They are claiming that I have a balance due of $1,174.00 and that the high balance was only $421.00. I don't even know who the original creditor of this supposed bill is, nor any idea what it is for, when this was supposedly opened or anything. I don't like the fact that something has been placed on my credit that I have no idea who it is for or have ever received any information regarding. I haven't received a letter, phone call, nothing. How is it that a company can just place some outrageous price on your credit reports without you having any knowledge of it and to top it off saying that the high was $421.00 and now $1,174.00. This is nuts and I am not happy about this at all. It shows a date opened of 10/17/2014, but I didn't notice it until my credit was pulled on 10/06/2015, as it wasn't showing on a previous report I had pulled in 2014.Desired Settlement: I want this collection account removed from all 3 of my credit reports immediately. The company is to never place anything on my credit report again. I want this matter resolved immediately as this should never have been reported on my credit in the first place and now it is impacting me when it shouldn't be as I have never heard anything about it and this was the first I ever heard anything about it when I had my credit report pulled. For what this company has done to me and I am not the only one that they have done this to, they should be responsible for paying compensation to those of us they have wronged and hurt our credit for things that we aren't even aware of. They have screwed my credit score, because of this matter and in turn it has hurt me.

Review: This company Put a hard inquiry on my credit report in 04/2015. In June 2015 a collection account shows up for a [redacted] MasterCard debit. I did not Initiate the hard inquiry from them nor did they have permission to view my report.

This [redacted] debit came out of the blue, as I have had credit monitoring for a few years now. I do not have [redacted] account. This company has also made several phone calls, stating they have legal papers , but never serve them by the deadline they state. They are using Illegal Debit Collection practices.Desired Settlement: I would like them to remove the hard inquiry I did NOT initiate , and remove the [redacted] MasterCard collection account from all credit reports affected. To stop illegal debit collection practices , or face complaints, and legal action.