Date Received: 2024-01-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : XXXX I am XXXX, and these people are buying up all my old debt and threatening me. They have another case against me with a debt I do not owe I keep filing that dispute, but some kind of way you guys are ignoring me about that one. I am XXXX I do not have any funds. Why are they allowed to buy old debt? I do not owe these people anything.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have asked for validation and verification of the debt with zero response proving the debt or any response at all and both letters sent certified.
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I called the company Jefferson Capital and told them to stop sending me fraud bills. I never lived in Florida and it's sent to my sick uncle and he doesnt need more problems. They at Jefferson Capital didn't know what I meant I just received another one this week from my uncle.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson Capital Systems XXXX continues to try to collect a debt that is inaccurate. Jefferson is working on behalf of XXXX which is no longer in business. I switched to XXXX XXXX XXXX in XX/XX/2021. When I switched, XXXX which was purchased by XXXX XXXX was contacted by XXXX XXXX XXXX about the switch. I do not owe any money to this company and no proof of what is supposedly owed has not been provided. The original date of when I had XXXX as my XXXX is more than XXXX years old. The statute of limitations on the the original creditor has gone past the statute of limitations, which is more than XXXX years ago.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not liable and refuse to pay this debt with XXXX XXXX I have no contract with Jefferson Capital Systems in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On XX/XX/XXXX I received an email from Jefferson Capitol Systems claiming I have debt with sprint. I do not and have won the disputes with the prior 3 companies that tried to collect on this debt. The last time I won a dispute was over XXXX years ago. There is XXXX reason this debt should be continuing to be sold to other debt collectors. I responded immediately notifying that my name is not XXXX XXXX ( my name change went through in XXXX ) and to not contact me via email, phone or mail. I then get contacted by my bio parents last week that they got a letter for me that was sent to their address. I moved out of their house before opening an account with sprint. The letter is dated XX/XX/XXXX. This is not only a violation of my no contact request but also harassing my relatives which is also illegal.
Company Response:
State: OR
Zip: 97303
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern, I trust this message finds you well. I am writing to express my deep concern about a matter involving the violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and related statutes. In light of the FCRA, particularly 15 USC 1681 section 602A, which underscores the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy, I have encountered issues with XXXX XXXX XXXX, Jefferson Capital Systems XXXX, and XXXX XXXX that demand your attention. My primary concern centers around the unauthorized sharing of my private information, protected under 15 USC 6801. This section emphasizes the obligation of financial institutions to respect customer privacy and protect the security of nonpublic personal information. XXXX XXXX XXXX, Jefferson Capital Systems LLC, and XXXX XXXX being a financial institution, is subject to these obligations. As evidence of my commitment to safeguarding my privacy, I would like to bring to your attention that I was a victim of the XXXX data breach. Enclosed with this letter, you will find the relevant documentation supporting my claim. The XXXX data breach exposed sensitive personal information, heightening my concerns about the unauthorized sharing of data. According to 15 USC 1681 section 604, a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. However, I have not provided consent, written or otherwise, for XXXX XXXX XXXX Jefferson Capital Systems XXXX, and XXXX XXXX to share my information. I hereby revoke all consent given, whether verbal, non-verbal, written, implied, or otherwise. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise nondisclosure. Unfortunately, XXXX XXXX XXXX, Jefferson Capital Systems XXXX, and XXXX XXXX failed to provide such information, depriving me of the opportunity to exercise my rights. The reporting of adverse information by XXXX XXXX XXXX, Jefferson Capital Systems LLC, and XXXX XXXX as highlighted in 15 USC 1681C ( a ) ( 5 ), without my permission is a clear violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) emphasizes that information furnished to a consumer reporting agency should be accurate. I believe XXXX XXXX XXXX 's actions contravene this requirement. XXXX, XXXX, and XXXX as consumer reporting agencies, are obligated under 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA. Unfortunately, it appears that these agencies have not adhered to these standards. In light of the above, I am formally requesting that the information provided by XXXX XXXX XXXX, Jefferson Capital Systems XXXX, and XXXX XXXX be deleted from my consumer report. Additionally, I have included the documentation regarding the XXXX data breach and an FTC report for your reference. I appreciate your prompt attention to this matter and look forward to a resolution that upholds consumer rights. Thank you for your understanding and assistance. Sincerely, XXXX XXXX
Company Response:
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My information was sold and bought illegally because I was a victim of the XXXX data breach. I want the items listed below deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 1. XXXX, XXXX ( Jefferson Capital Systems ) XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting ( 6 ) months negative. This account is not mine. It is in collections and needs to be deleted. 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting 1 late payment. This needs to be deleted. This account has been paid in full. Thats all that should be reported. 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting 4 late payments. This needs to be deleted. This account has been paid in full. Thats all that should be reported. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my account and it is now in collections. This account needs to be deleted. 5. The addresses below need to be deleted from my reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below is the proof that I was a victim of the XXXX data breach. The engagement number listed below is proof. XXXX DATA BREACH SETTLEMENT Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. FILE A CLAIM For XXXX XXXX XXXX XXXX, please call XXXX at XXXX and provide engagement number XXXX.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never opened or set up services with this party reporting on my credit report. I do not recognize nor did I authorize anything through this party.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: JEFFERSON CAPITAL SYSTEM has furnished data to XXXX and XXXX that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A