Date Received: 2022-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a Collection Letter Dated XX/XX/2022 from XXXX XXXX XXXX. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with Jefferson Capital Systems LLC. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by Jefferson Capitol about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from XXXX about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Today, Saturday, XX/XX/2022, I just received a debt collection notice in the mail from a company called Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX XXXX, Minnesota. XXXX. The notice states I owe {$1100.00} from a purchase I allegedly made from XXXX XXXX XXXX. The notice indicates a different name than mine, but it's very similar to my name. The address they mailed it to is my address. I called the company and explained that I never made such a purchase from any company, and do not owe the money, and I told them to remove it and not communicate with me again. The representative said they would only remove the name. Then, I hung up. I went to XXXX reviews, and read page after page of complaints about this same company that apparently, looks like a scam ; either that, or someone stole my address. Now, I need to check my credit report to see if they tried to put something adverse on it. They also gave an address to mail payments at : Jefferson Capital Systems , LLC, XXXX. # XXXX, XXXX XXXX XXXX, XXXX, AL. XXXX
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX XXXX {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reported XXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ask them for proof of original document with my signature where i did business with them. From 2021. This company has ruined my credit with this ....
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : Jefferson Capital Systems- Account # XXXX XXXX XXXX account # XXXX Jefferson Captial Systems- Account # 1903 According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital , LLC has sent me a letter for debt collection that is not mine in the amount of XXXX for " XXXX Business Card ''. I nd ont have any business card with XXXX, nor have I ever received any communications before this letter stating I owed any amount. On XXXX I asked for documentation via letter to prove this change and I have not received any information from them On XX/XX/18 I noticed the debt collection hit my credit report on XXXX. I sent another letter to Jefferson Capital to remove this collection from my credit via letter.
Company Response:
State: LA
Zip: 70448
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of identity theft as a result of an XXXX data breach. I subsequently placed a fraud alert on my credit report and had several alerts from XXXX indicating they received an application for an account that could not be verified. Several months ago, I received a collection notice from XXXX regarding a fraudulent XXXX account. I contacted XXXX and was told no further action was required by me that the issue would be handled based on the information I provided. Today, I received a collection notice from XXXX, on behalf of Jefferson Capital Systems related to the same XXXX account. This is not my account, I am the victim of identity theft. I have provided documentation and a police report in addition to having this documented on my credit file.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Jefferson capital says i owe money XXXX from XXXX.i don't have XXXX i have XXXX..so this debt is not mine..
Company Response:
State: CA
Zip: 92551
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Jefferson capital systems LLC calls frequently and for the past week everday and after I have told them to stop calling me they continue to do so. they call from the following numbers XXXX and XXXX at different times of the day and I have spoke on the phone and told them to stop calling my number and have wrote to their company at this mailing address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Have not received a response yet they still call and they also use a robot dialer as when I do answer there is always a wait time before someone answers or the call will disconnect
Company Response:
State: OK
Zip: 73159
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A