Date Received: 2022-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Jefferson Capital Systems , LLC ( " JCS '' ) detailing their actions harming my consumer reports. I have never given JCS my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. This is negligence and a clear violation of a federal statute. I received documentation dated for XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from JCS indicated that the company continues to harass me via my consumer reports after failing to provide proof that I gave them permission. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court, federal statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly JCS is 100 % required to communicate with me PRIOR to sharing any information with a nonaffiliated third party. JCS failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified directly and via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. If the company is telling the CRAs that both reports, that are showing different and inaccurate information is accurate... the company is providing false and misleading information. Precedent has already been established by the The United States of Appeals, Ninth Circuit, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of JCS. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose. One look at PACER will show that this company has a long history of harassing consumers.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Jefferson Capital I will not pay this account, you are here by ordered to { cease and desist } any and all communications with everyone or companies but my self in writing only .No communications to anyone about any and all debt you state you have against me. THIS IS A OFFICAL NOTICE I never gave you any permission to publicize my personal information to anyone or company credit reporting companies no one
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I received an email from XXXX XXXX saying I had a collection on my XXXX account. I disputed it saying " this does not belong to me. '' It says the collection is from Jefferson Capital System and the original creditor was XXXX XXXX XXXX. I am on someone else 's XXXX plan and have been for many years. I paid my debt in full to XXXX when I had my own account. It says this account has been open since XX/XX/XXXX and is open now. I haven't opened an account with them and this is the first I've heard about this account. XXXX XXXX said they reviewed the claim and found that this is legitimate. I don't know what to do now since I didn't open this.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. [ JEFFCAPSYS ACCOUNT # XXXX has violated my rights. [ JEFFERSON CAPITAL SYST ACCOUNT # XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX Jefferson Capital had a debt on my report that was not mine. I disputed it and it was removed from my reports. As of XX/XX/2022 it appeared again, I asked them numerous times to correct their mistakes. And because of their errors my credit score has went down. Please remove it.
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from JEFFERSON CAPITAL SYSTEM Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ {$1200.00} ] In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 3 ). According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. ( a ) Scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the FCRA by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ). A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. Sincerely, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Jefferson Capital says active in XXXX and opened XXXX and reported in XXXX as current.I need this off and removed from my report.Its been 7 years.I am not associated with anything with this company.Im not sure if its been sold without my consent. XXXX XXXX are not a company that I have been with.Open date says XXXX from an original dateXXXX & XXXX has been sold without my consent.
Company Response:
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone duped XXXX XXXX out of {$3400.00} I will presume using my SSN or other identifying information. Although I have contacted XXXX XXXX and the collection company they sold the debt too the issue remains. I have not ( and never will ) ever been a customer of XXXX XXXX. There is 0 % chance they have any documentation with my valid signature authorizing this debt. I tried to go through XXXX and they " verified '' the debt. How exactly? Like I stated I have never opened an account with XXXX and I am 100 % certain that my information was used illegally. This should be XXXX 's problem not mine. They gave away {$3400.00} to a criminal not me.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Jefferson capital SY has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. This creditor is falsely reporting an account on my credit report that does not belong to me I have notified the creditor of the situation but the creditor has deleted the account and re-post the account as if it is a new account. The creditor is constantly doing this every year. This is not my acct and never has been.
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A