Date Received: 2022-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Jefferson Capital Systems LLC has been calling and harassing me about an alleged debt that I owe from XXXX. I asked about the original creditor and information regarding the alleged debt and asked for a debt validation letter with my wet signature stating that I have a binding contract making me indebted to Jefferson capital. And I asked them to send it to the address they have on file. Which Im sure they sent out a letter but the debt is in Texas And I do not live in Texas I live elsewhere and they are unable to send me the contract. They said the debt was for $ XXXX but are unabated to provide a contract between me and Jefferson Capital . They have also been calling me non stop and the representative even stated that they threatened to report it to the credit bureaus and damage my credit which they have and violated my right to privacy as well as XXXX selling off my personal information without written permission under XXXX.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The following debt in collections is not mine Jefferson capital sy account # XXXX the signature on the original with XXXX XXXX does not match mine AT ALL as I was living in XXXX Colorado at the time and purchased items was in California. According to 15 U.S.C Sec. 1681 i ( a ) they must provide proof this account belongs to me or be deleted!
Company Response:
State: CO
Zip: 80918
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am XXXX XXXX submitting this complaint against Jefferson Capital System and there is no third party involved. Jefferson Capital System did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have disputed the incorrect information on my reports and they're coming back with the same information just updated but no explanations of when and where proof of the account to open them information about it nothing is being described to me I'm completely at a loss
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried to remove a debt that wasnt signed for with Jefferson capital systems in the amount of {$660.00}. I have asked for my wet signature and they only return with verified debt
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I sent the certified mail for this company to cease and desist, in Pursuant to 15 USC 1692c. ( c ). This company has not produced the following and have violated my rights : Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Remove all remarks or comments off my consumer report. Pay the attached bill of particulars for every violation labeled in the attached exhibits. Return requested documents 1. Name and address of the original creditor who created the debt. 2. Name on file of alleged debtor. 3. Alleged account # 4. Date of original charge or delinquency. 5. Was this debt assigned to a debt collector or purchased? 6. Amount paid if debt was purchased. 7. Documentary evidence that this agency is in fact the holder in due course. 8. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ).
Company Response:
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was closed on my credit report for well over 7 years. It was sold to another creditor 2 years ago. They never contacted me about it. My credit report also says I refinanced the loan with them in XXXX but I havent had a loan with them since XXXX.
Company Response:
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a collections for {$450.00} XXXX XXXX credit on my consumer report that is fraud and identity and is under a address I have never lived
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Jefferson capital system llc XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A