Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX and Jefferson Capital is in violation of 15 usc 6801-Protection of Nonpublic Personal Information financial institutions have a duty to insure the security and confidentiality of customer records, protect against threats of security, and to protect against use of such records or information which could result in substantial harm or any inconvenience to the customer. Each Financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' Nonpublic Personal Information. According to 15 USC 6802-Obligations with respect to disclosure of personal information ; a financial institution may not directly or through any affiliate, disclose to a non-affiliated third party any Nonpublic Personal Information unless such financial institution provides to the consumer a notice that complies with 15 USC 6803 . In general a financial instition may not disclose Nonpublic Personal information to a non-affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing, in electronic form, or other form permitted by 15 USC 6804, the consumer is given the opportunity, before the time thay such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notice that accurately reflects privacy polices and practices to a consumer before you disclose any non public personal information about the consumer to non-affiliated third party. 16 CFR 313.7 states financial institions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose Nonpublic Personal information about the consumer to a non-affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. A complaint will be filed wi the consumer financial protection bureau which is the authority who enforces 15 USC 6801-6805. The Privacy Act of 1974 prohibits the disclosure of a record about and individual from a system.of records absent the written consent of the individual. XXXX and Jefferson Capital are hereby orders to compensate me in the amount of {$25000.00} each for violations of my privacy rights and use and transfer of my Nonpublic Personal Information without my written and express consent.
Company Response:
State: LA
Zip: 71203
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The XXXX debt has been deemed at Identity theft. This account was originally being collected by XXXX and I got a police report for it. Now this account has been sold to another debt collection company called Jefferson Capital. Im pretty sure that this is illegal.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Be advised that I hereby dispute the validity of the alleged debt listed above entirely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson capXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. illegally collected the above-listed alleged debt and took payment on a debt that I do not owe, EXTORTION and theft by deception. Defamation of character and Slander of my name. Fraud and GROSS MISREPRESENTATION. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. Reporting Late payment and Utilization is illegal! XXXX XXXX have 10 calendar days to update my late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting per GAAP . 2. Verification of your claim against me. A signed invoice or sworn affidavit. 3. A copy of the contract binding both parties, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson cap, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. I need full Disclosure. I was not told that I was actually creating the credit. 2. Equal Consideration brought nothing of value to the table and had nothing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson cap, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Law terms and conditions were based on fraud! 4. The wet ink signature of both parties. XXXX XXXX actual damages, Defamation of character, consumer rights violations, multiple violations of Federal Debt Collection Practices Act ( FDC PA ), Fair Credit Reporting Act ( FCRA ), fraud, aggravated identity theft, Identity theft, extortion, theft by deception, Securities and Exchange Commission ( SEC ), Generally Accepted Accounting Principles ( GAAP ) fraud, Conspiracy and Racketeering of {>= $1,000,000}. Within 10 calendar days after receipt of a notice, shall return a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson capXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX money that has been given to anyone in connection with this transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX will further pursue all of my legal remedies without further notice. This letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a court case. I will demand discovery and trial by jury. Failure to properly respond will be followed up with our FTC, XXXX and Attorney General complaint, fee schedule and lawsuit. Fraud vitiates the most solemn contracts, documents and even judgments [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a Collection Debt from Jefferson Capital that I have XXXX knowledge of. The amount is {$3300.00}.
Company Response:
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. Name and contact information of the original creditor, if this account was transferred or purchased. Any other documentation verifying the account is, in fact, mine. If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. Thank you so much for your time. see attached document
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, On XX/XX/XXXX, I received an email from Jefferson Capital Systems , LLC stating that I owe XXXX {$1300.00} as of XX/XX/XXXX. The JCS Reference number is XXXX. This will be my third complaint that I have filed regarding this false charge. The first complaint was directly to XXXX ( CFPB claim number XXXX ), my second complaint was to XXXX XXXX XXXX ( CFPB claim number XXXX ), the debt collectors contracted by XXXX If possible, please refer to the above listed CFPB complaint numbers to get the background on the " case ...? ''
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Trying to collect on a debt I did not initiate.
Company Response:
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have made attempts to reach out to this company to confirm my debt. The automatic services can not find my information connected to any account. I mailed out a letter requested information on proof of the debt. I believe this company reporting false information.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I Have tried to opt out of Jefferson Capital Systems reporting Non-Public personal information on my credit report, for one because I have no contracts with them,2 the debt is now a certificate of indebtedness which is now income and income can not be reported on my credit report, XXXX per the FCRA it is my right as a consumer to opt out of the disclosure of any non-public personal information.
Company Response:
State: IN
Zip: 46805
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: JEFFERSON CAPITAL SYST is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account JEFFERSON CAPITAL SYST XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report. My credit report will show the incorrect balance this collection agency is reporting. They added {$650.00} on top of the balance that I had with the original creditor. I find it necessary to sue you for actual damages and declaratory relief under the FDCPA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A