Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is 1 alleged debt under my name and credit report with Jefferson Capital Systems. Since the first alleged debt was bought by Jefferson Capital Systems over 5 years ago. I have Requested NUMEROUS times ( via mail, phone ) on the alleged debt that they validate, verify and provide me with the original purchase agreement or contract baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Company Response:
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed my phone bill debt with XXXX XXXX for XXXX XXXX i spoke to someone on the phone with jefferson capital systems XXXX XXXX XXXX XXXX XXXX, MN XXXX about a debt from XX/XX/2018 but she resolved it over the phone & on credit karma its not showing but on other bureaus it is.
Company Response:
State: MA
Zip: 01013
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was on a company phone plan which used XXXX and upon changing jobs needed to get onto my own phone plan. I had intended to just keep using XXXX, ultimately they could not get my phone to work and switched providers, but eventually I started to receive a bill just for getting of my company plan. They were never able to provide any such agreement or reason that would require this exorbitant {$350.00} cost and said the issue could not be resolved and was sent to debt collectors who have been harassing me since.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately ( attached in doc ) Also, please add a promotional suppression to my credit file.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, non-verified, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon, nor did I sign any agreement. A legal contract signed is by two parties, and I did not participate in any of this. More so they didn't follow the proper 5 step validation procedure which makes this unfair practice. According to the FDCPA, I'm entitled to {$1000.00} per violation and they have clearly violated.
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on my credit report there is a debt I know nothing about it in my collections. This is clearly fraud. Jefferson Capital system They claim I owe XXXX over {$2000.00}. I have called a few times asking for proof of documents in which they ever never supplied anything.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX Jefferson capital systems is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is Jefferson capital systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i am disputing several fraudulent items on my credit report. XXXX. XXXX XXXX {$16.00} XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX. XXXX XXXX XXXX XXXX {$3200.00}
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson capital is saying a XXXX year old debt that i dont believe is mine, is only XXXX XXXX XXXX due to me trying to dispute. I would like it removed from my credit report.
Company Response:
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX debt dont belongs to me
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A