Date Received: 2022-04-09
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: sending me a paper stating that owed for an account called XXXX from 2015 and never got an account open from there and keep harassing me
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
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: The philosophy of XXXX XXXX and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. I also disputed the presence of Jefferson Capital Systems being listed on my credit reporting file, I have not received documentation from either XXXX or Jefferson Capital Systems as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Company Response:
State: NE
Zip: 684XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Account was opened on XX/XX/2019 XXXX XXXX I have never had an account On on XXXX credit buearus as a collection Amount {$2200.00}
Company Response:
State: MA
Zip: 01854
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/22. I sent a letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Their respond was investigation complete report by furnisher data. Still on my credit report. On XX/XX/22. I sent a credited letter again to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. Yet again. On XX/XX/22 I sent another credited letter to Credit Bureau XXXX in regard a charge off from XXXX XXXX. Sold to Jefferson Capital Systems , LLC. I asked to send my any document bearing my signatures statement I own this debt. Their respond was investigation complete report by furnisher data. Still on my credit report. In the past two months. I've add to receive any documents bearing my signatures, that state I own this debt and nothing was send only " investigation complete report by furnisher data ''. Still no documents of any kind with my signature proving I own the charge of debt was even sent. I want so help in the matter. Thank you in advance. Namstes and have a peaceful day.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I went on the website from the letter to review the account. I was offered XXXX choices : XXXX. Pay the balance in full in XXXX payment today. XXXX. Pay the balance in full in XXXX payment in 30 days XXXX. Settle the account with the below offers *Pay off this account with XXXX payments of {$850.00}. This represents approximately a 55 % discount. TOTAL OF OFFER IS MORE THAN BALANCE DUE. BALANCE DUE IS XXXX, AMOUNT REQUESTED IS XXXX ( claiming to be a 55 % discount ) which is a XXXX increase, not decrease. *Pay off this account with XXXX payments of {$150.00}. This represents approximately a 50 % discount. Total offer is {$940.00} *Pay off this account with XXXX payments of {$150.00}. Total offer is balance in full.
Company Response:
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been trying to contact XXXX who placed my collection account with Jefferson capital that can not find it here are my notes XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX- they located 2 accounts jefferson capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Jefferson cap XXXX XXXX - XXXX XXXX XXXX {$720.00} balance. the account numbers are similar BUT the balance is different AND they are stating the account was discharged in bankruptcy. The balance on my end is {$920.00}. I have never filed bankruptcy
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i wrote a letter saying that it was not my debt and i was fighting it and never had a XXXX account and never been with who the account was with
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My identity was stolen, it was reported and taken care of. I received a collections from Jefferson Capital Systems saying I owe XXXX money. I advised them I have never had a XXXX account. I asked for a debt verification and they denied to provide me that information. I have requested it twice, and they will not send me a verification that the debt is mine. This was with another collections company and I disputed it with them as the debt not mine, it was removed. This debt appeared with a new company a year and a half after it was removed. I have called XXXX and they have advised me they don't have any account information for me. I have been on a battle to dispute this debt endlessly with XXXXefferson Capital and they are refusing to comply with a verification request.
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: My debt was sold. The amount is inaccurate. The debt was supposed to be removed from my account. However they reported the account was open in 2019 which is not true the amount is XXXX
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed this debt multiple times asking for it to be verified with original creditor they have continued to ignore my request this is not my debt it is a account not opened by me it was removed and readied to my credit report the credit bureau keeps allowing it please look into this matter it is unfair & unjust
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A