Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: AL
Zip: 35160
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I noticed on my credit report XXXX XXXX which Jefferson capital bought the debt. It appears on my credit report as an collection which they never validated the debt claiming I owe. I tried disputing online but it doesnt help. They say I owe {$1000.00} and I reached out several times but nothing is being updated.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX deleted the inaccurate inaccurate information. This account is not mine. I have disputed this account for a few years now. Very recently, have assigned it to a collection agency.
Company Response:
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 USC SECTION 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: In accordance with the fair credit reporting act XXXX account Jefferson capital system. Has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried rebuilding my credit so I pulled a credit report for all 3 major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called Jefferson Capital that this account was sold to collect this debt in the amount of $ XXXX I called Jefferson Capital they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Jefferson Capital has violated my rights. 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Recurrent perpetrator is XXXX XXXX, a.k.a. XXXX XXXX, whose latest scam is against current creditor, Jefferson Capital Systems for {$640.00}. XXXX XXXX continues to use her previous property address, but I bought her property in 2003. XXXX apparently continues to put down MY property address which results in my receiving HER creditors ' letters trying to collect HER debts. XXXX is not using my name. She is using my address for her credit card scams. Isn't this a form of identity theft? I have tried writing Jefferson Capital Systems ( as I had to all previous creditors looking for XXXX XXXX or XXXX XXXX ) that I am NOT XXXX, and that XXXX has no right to be using my property address as hers ( since 2003 ). How do I stop this XXXX from unlawfully using my property address in her credit card scams? I am tired of being accused of being XXXX and I am tired of receiving letters from creditors looking for XXXX who think she lives at my property. She does not and has not since 2003!
Company Response:
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a fraud account. This account has been settled numerous times and sold to collection agencies. I've never had a XXXX account and the address isn't even mine its my daughter 's
Company Response:
State: CA
Zip: 94547
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A