Date Received: 2022-12-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Disputed and Requested information from credit bureaus ( XXXX, XXXX, XXXX ) to verify debt from a company. Requested removal until debt could be verified. Dispute was claimed accurate with no documentation or verification give to me. I only received a single notification that it was completed with no proof of accuracy, to me, the consumer. Debt was to a Jefferson Capital Services for a little over $ XXXX. They are false reporting and damaging my credit and name. I never had, nor have any knowledge, of an account or owing money to Jefferson Capital Systems.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX, I ( the consumer ) initiated a phone call to Jefferson Capital Systems , LLC via the number XXXX pertaining to an alleged {$330.00} debt disclosed via XXXX XXXX XXXX XXXX XXXX credit reporting agencies. An agent of the company ( Jefferson Capital Systems , LLC ) disclosed the account as being a debt of which was purchased by their company ( Jefferson Capital Systems , LLC ) from XXXX XXXX ( the Original Creditor ). I informed the agent that I was never contacted pertaining the validity of the account/alleged debt and that such debt obligation was never verified with me the consumer before their agency began reporting such negative report and nor was consent given pertaining authorized use of my private & personal information to said company ( Jefferson Capital Systems , LLC ) ; and as well, no contract nor payment obligation exist between I ( myself ) and Jefferson Capital Systems , LLC. I requested the account be removed/deleted and all 3 credit bureaus be notified and their systems updated. The debt collection agent agreed to make a note and initiate a dispute pertaining to the alleged debt account. I gave my po box address and requested only written communication from that moment forwards. XXXX XXXX, XXXX, I received a 10 page verification letter via Jefferson Capital Systems , LLC. Disclosed therein is a Jefferson Capital Systems cover page stating " Your Account Summary '' of which there is no contract of such account and such language has been found to be obscene [ violation of Title 15 USC chapter 41 1692 ( d ) ( 2 ) & 1692 ( e ) ( 10 ) ] and reflecting the " Amount of the Debt '' as {$330.00} ( of which is a positive balance, not a negative balance and therefore is a false representation/misrepresentation of an amount owed/debt ) [ violation of Title 15 USC chapter 41 1692 ( e ) ( 2 ) ( a ) and 1692 ( j ) of which constitutes Mail Fraud ] and a XXXX XXXX billing statement issued via XXXX, nothing more and nothing less. Jefferson Capital Systems , LLC has failed to adequately perform on behalf of verifying the alleged debt obligation as there is no proof of contract, no signature, no payment agreement between myself and such company. [ invocation of Title 15 USC chapter 41 1692 ( k ) ( d ) and 1692 ( c ) ( d ) ] I have come to the conclusion and am invoking my jurisdiction and will administer judgement over this matter in accordance with Title 15 USC chapter 41 1611 and have declared a Default Judgement in favor of I ( myself ) due to Jefferson Capital Services, LLC 's failure to satisfactorily rebut the disputed account via providing an adequate proof of claim. XXXX XXXX did indeed share private personal information ( consumer 's name, address & etc. ) to Jefferson Capital Systems , LLC as a third-party debt collector without my consent and in violation of my privacy as a consumer [ violation of Title 15 USC chapter 41 1692 ( a ) and 1681 ( a ) ( q ) ( 3 ) and 1602 ( p ) and Regulation V 12 CFR 1022.3 ]. That of which is Identity Theft and since no contract exists between the parties ( Myself & Jefferson Capital Systems , LLC ) the alleged {$330.00} is a fraudulent debt account pertaining Jefferson Capital Systems , LLC [ violation of Title 15 USC chapter 41 1692 ( b ) ( 2 ) ]. Discernment was failed to be used by the 3 Credit Bureaus listed above on behalf of verifying the alleged debt account before reporting such [ violation of Title 15 USC chapter 41 1692 ( e ) ( 8 ) and 1681 ( o ) and 1681 ( o ) ( a ) ( 1 ) and 1681 ( q ) ] and in return I the consumer have suffered and grieved the damages caused via such theft of identity and consumer law violations ; i.e. slander, public humiliation, damage to my reputation, personal estate damages and ruined personal/private and public XXXX relations causing economic duress and effecting my ability to provide financial stability, adequate housing plus many other well needed provisions. I have been a victim of this fraudulent report from the " Date opened '' XX/XX/XXXX to it's most recent credit bureau reporting labeled " Balance updated '' XX/XX/XXXX.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a Derogatory remark on my credit score. Showing that Jefferson Capital Systems LLC has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be XXXX XXXX. I contacted XXXX XXXX and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.
Company Response:
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Jefferson Capital System XXXX XXXX {$2300.00} Shows this account was opened in XXXX of XXXX and that is incorrect this account is old and dated back to XXXX. The amount is also incorrect. I have disputed this with XXXX as well as Jefferson Capital and no action is being taken. This should no longer be on my credit account. I at XXXX point got a response that information was correct I has submitted but was never removed from my credit report. XXXX XXXX XXXX Bank XXXX {$460.00} This account also has in correct dates and is too old to be on my account I have filed several disputes with nothing being done nor even a response.
Company Response:
State: TX
Zip: 790XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX is claiming I owe them a debt. They have not verified the amount which is incorrect, have re-aged the date ( claiming the " delinquency '' is newer than it really is ). Falsely reported it to the credit bureaus, even though another company they contracted with stated they would not be reporting it, and did not notify me they were attempting to collect on a time-barred account, as per XXXX XXXXXXXX XXXX. They also have not provided any documentation that would prove they have a legal ownership of the alleged debt.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson capital syst account XXXX on XX/XX/2020 said that i bought an XXXX XXXX ive never had an XXXX XXXX the number was out of state the address was out of state they say i have to pay {$960.00} someone stole my information!
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello I have been going back and forth with this company since XXXX I filled a complaint with cfpb in XX/XX/XXXX but never heard back till last week they sent an email that they have sold this debt to a company called Jefferson Capital Systems , LLC I tried to contact this Jefferson capital to tell them not to attempt to report anything on my credit for 2 reasons one is that i have disputed this with affirm from day one and that this has been going on since XXXX which is 8 years they said they still don't have this account i
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A former employee had access to my computer and opened an XXXX XXXX XXXX account in my name about 5 years ago or so and charged some parts to the account and I explained this to Jefferson capital debt collection service. I also told them I do not have any contract with them and they had no right to access my credit report and report anything on my credit reports.
Company Response:
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022 I reached a settlement agreement with Jefferson Capital Systems for a debt they purchased from XXXX XXXX. The settlement was for {$2800.00} and broken down into XXXX XXXX monthly payments. The first {$150.00} payment was made on XX/XX/22. The second {$150.00} payment was made on XX/XX/22. The remaining balance of {$2500.00} was paid in full on XX/XX/2022. Instead of updating the account to show that it was settled on my credit report, Jefferson Capital just reduced the original balance and still shows a past-due balance. I disputed this through the credit bureaus and it came back as verified and accurate. I then emailed their general counsel and he was completely non-responsive.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A