Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Its things that are on my credit report that have the dates open and the dates last reported wrong and or different on my credit report
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I do not recall giving permission to XXXX XXXX to release my medical information to a third party. Medical services rendered are not equal to fees charged in the amount of {$2000.00}. This issue was inquired about and disputed in XX/XX/2022. Dispute was closed with none of my inquiries being addressed. Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to the third party
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company known as Jefferson Capital Systems has been attempting to collect an unpaid phone bill totalling {$730.00} from XXXX, owed by my deceased father. I have disputed the debt multiple times but they continue to claim that I owe the bill though I have never had a an account with XXXX.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you. I've called XXXX and your company to resolve this issue and I have proof from my current carrier as to when I started services and the previous phone number in question, which never left my XXXX until I changed my number in XXXX of 2021. Please remove this debt from my credit!!!
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have never had JEFFERSON CAPITAL SYSTEM as a creditor. Per my research JEFFERSON CAPITAL SYSTEM is a debt collector falsely attempting to collect a debt that isn't there's. I have requested that JEFFERSON CAPITAL SYSTEM provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature with JEFFERSON CAPITAL SYSTEM. In addition please provide the contract signed between JEFFERSON CAPITAL SYSTEM & 12 XXXX XXXX, notarized and sworn under penalty and perjury for JEFFERSON CAPITAL SYSTEM ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
Company Response:
State: SC
Zip: 29341
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off my old debt of the maximum amount approved for me of {$400.00}. I even paid more than that but a lot of my payments were not reported, payment in full is not reported, and it is still on my credit reports.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Accounts that are closed are still on my credit.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not open this account. The information is wrong and my name is missed spelled and I DID NOT OPEN OR AUTHORIZE my information.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Yes I received a XXXX debt collection from XXXX XXXX XXXX saying I owed XXXX but yet I never had a XXXX acct and want this investigated
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A