I.C. System, Inc. Debt Collection Complaint

I.C. System, Inc. Debt collection department,

Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Michigan

I owed an outstanding balance of $120.00 to - - - for a land-line service that I no longer needed. I paid the outstanding amount of $120.00, based on my billing statment from - - - ( including late fees & penalties ). I had no indication other than that - - - accepted my payment in full. It appears that - - - either sent this debt to - different Debt Collection Agencies or this debt was sold from one debt collector to another ( I.C System Inc. phone - ) and ( - phone - ). - debt collectors are based in MN. - company ( I.C. System Inc. ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( - ) reported the same debt with somewhat different information, to the Credit Reporting


). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from - - -. A debt collector should not be able to request more than the amount of the outstanding debt. My contention is that my credit profile should not be negatively affected by the mistakes of - seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can - debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? Because of these obvious mistakes in reporting by - different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( - - - ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for - should be removed immediately.