Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted XXXX several times and provided all documentation to prove that I have not been with them. They transferred it to Jefferson capital who I went through the same thing provided all information and they said they will remove it but accounting to credit bureaus they have never received request from Jefferson capital
Company Response:
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Jefferson Capital Systems is collecting on behalf of XXXX XXXX, account XXXX This account was merged with a XXXX Account under the company name of XXXX XXXX XXXX. Even our sales reps confirmed there should be no balance, then months later this collection happened we spent months trying to resolve this. XXXX XXXX XXXX is now dissolved and the company filed Bankruptcy and I can not access the records to obtain the multiple emails to show proof I was told this was resolved
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am the victim of identity theft. I discovered this 4 years ago when I was purchasing a new home. I have reached out to all 3 bureaus and sent all 3 bureaus a copy of all my identifying information along with a police report. I have had debt collectors attempt to come after me for debt owed to them under fraudulent premise. I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. Jefferson Capital Systems flagged my credit reports for a debt that was taken out using my social security number, my 1st name " XXXX '', but a different last name. My name is XXXX XXXX XXXX. The debt owed was in a name belonging to " XXXX XXXX '' ( a name I never went by ) I reached out to Jefferson Capital Systems and alerted them of this error. I was told by one of their reps that this case was given to " XXXX '' another collection agency. I reached out to XXXX and made them aware of the identity theft as well as the name issue. I was told by the XXXX rep that they were sending this case back to Jefferson Capital systems. I called Jefferson Capital Systems back and was told I had o wait until they have the case back. I asked why did I have to wait to address a fraudulent account. I waited a few days and called them back again. Also, I have never had an account with the original debtor " XXXX XXXX ''
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I sent a request for debt validation to the debt collector ( Jefferson Capital Systems ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such need to stop reporting the collection to the credit Bureaus and pursuing the debt in my name. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed that Jefferson systems reported on my credit report that I opened a XXXX account in XXXX. No such action was taken on my part Had XXXX XXXX as my only XXXX since XXXX. I did the ftc fraud report and disputed it through XXXX. I sent over my report and all the necessary info. XXXX said they found it to be factual. But I havent even step foot into a XXXX store in over XXXX years
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Jefferson Capital Systems LLC put a collection on my credit record for a XXXX account i had in 2018. The XXXX account was paid in full and closed as i moved to a new mobile services.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was not given proper notice under the FDCPA prior to this item being placed on my credit report
Company Response:
State: TN
Zip: 37072
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Ive had this XXXX account removed from my credit already through XXXX XXXX XXXX and they keep putting it back on there. The amount keeps going up and they keep switching the agencies to put it back on there. plus this account is over XXXX years old!! They just recently reopened it XX/XX/2022. I dont understand this. Im trying to buy a house and they messed everything up!! Please help me!!!
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: These accounts are old and need to removed from my credit report
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Company Response:
State: MI
Zip: 495XX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A