Date Received: 2022-01-15
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: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was trying to maintain good credit history they stated if I pay the balance in full they would remove it from my credit. Balance is a charge off that has been paid to the original issuer of credit XXXX XXXX. This account has been sold to a few different collection company and each company repost it on my credit report. Even with that knowledge I still paid the balance that that said I owed thinking it would clear up that matter so I could move forward. I reach out to them and they said its nothing they can do to clear up this matter. It is still having a negative impact on my consumer report.
Company Response:
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern : This letter is to inform you that I am disputing your companys references on my credit report because of the lack of accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you investigate as outlined in the FCRA Section 623 for the inaccurate date opened of XX/XX/2017. If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ; then you are required by the FCRA to remove the negative information from my credit reports. If you were able to conduct a proper investigation of the records for this account and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. All correspondence should be sent to my attention at the above address. Thank you.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is very old they acting like this account was just open. They are reporting inaccurate information on my credit saying it is 30 days late.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX had made an error on a mobile phone account, billing me for over a year as XXXX phones and XXXX mobile lines, when i only owned XXXX phone and XXXX mobile line. They admitted fault and said it was an issue on their end, and stated I don't need to worry about the false charge and it would be taken care of after over XXXX hours of customer service calls trying to get to the bottom of it. Then they sent it to collections with these Jefferson capital folks apparently, instead of covering their wrongdoing. Now the Jefferson capital folks are wrongly reporting a debt on my credit report. This started over 5 maybe 6 years ago
Company Response:
State: ND
Zip: 588XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a phone call indicating that I owed a debt that was paid two years ago. I had to check my records to validate the payment. I tried to contact the company again ( within 30 minutes of checking ) and the phone number was fictitious. I then tried to check the website and it was fake as well. I reported the incident to the FTC and then thirty days later I received a bill from Jefferson Capital indicating that I still owed this debt that was paid off. the bill is attached.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a XXXX account on my credit with a telephone number that has never been mine. I have had my phone for over 15 plus years. This number is not mine. This is not my account. This is an Ex 's account. He still has the number. He still has the phone. This is since 2012! Should be off my records! No record of my name ever being on this account. No signed documents from me I am unable to get a home because of this NEGATIVE account on my credit!
Company Response:
State: FL
Zip: 32128
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Jefferson Capital continues to communicate with me through mail without my permission. They called 3x per day15 USC 1692c ( a ) and were using abusive language 15 USC 1692d ( 2 ). They are violating my right of privacy. I sent them a cease and desist prior and told them over the phone to stop contacting me. They are violating me big time. This alleged debt that I do not owe. Collections agency are stepping out of their lane. I was not sent a letter to dispute or validate this debt. How did they get my information? They bought my information from the credit card issuer without my consent. They sent me a letter telling me to pay debt and get a credit card through their company. Jefferson Capital created a deceptive form to coarse me into paying an alleged debt to them 15 USC 1692j ( a ). Jefferson capital are civilly liable for violating me. I went ahead and mailed Jefferson Capital And the CFPB a copy of my documents via certified mail. I also attached the below. My documents are notarized.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Was included in bankruptcy. Debt was bought out my a debt collection company and I disputed through credit bureau with no results. the debt was originally from XXXX to XXXX XXXX. and rereported XXXX
Company Response:
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A