Date Received: 2021-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from XXXX XXXX about a debt in the amount of {$4700.00} for PayPal.I received the letter XXXX XXXX of 2021. I have never had a account with XXXX and will never. I am reporting Identify Theft in my name.
Company Response:
State: AR
Zip: 72104
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have completed the agreement with this company and they still have deleted the collection account on my credit report, as promised.
Company Response:
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I agreed to try a product from XXXX that would give me information about the performance of my car. It was called XXXX. I tried it, and found that it was not giving me anything that I wasn't already getting from my car 's system. I returned the XXXX to a XXXX Store on XXXX XXXX XXXX, XXXX, FL. The employee at the store told me that they didn't take returns, and that they would take the $ 10 monthly charge off my account. I kept the XXXX for two years, and was never asked to return it ;, and, I never received another bill from XXXX. I received a collection notice many months later. I informed the agency of the above, and never received another collection notice.
Company Response:
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021, the company JEFFERSON CAPITAL SYSTEM opened a collection in the amount of {$1300.00}. The account number is ( Account # XXXX ) I have never signed any written or electronic documents saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this alleged debt to this alleged company. Please have this removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I called the company on XX/XX/2021. I told them that the account was not mine and that I was incarcerated for over 20 years. They told me to file a report and dispute it with the credit bureaus.
Company Response:
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The amount this company is reporting on my credit report is wrong and incorrect.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Company Response:
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i received a letter from a debt collection company ( XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX Credit Card, The bank who filed the claim is Jefferson Capital Systems LLC and the original creditor is XXXX XXXX. I called XXXX and they confirmed my social security number, name and address are correct ; however the email address on file was not. XXXX rep said the account was related to charges from 2017. I have never opened a XXXX credit card so I know this is not my debt. I asked them to please report the account as fraud. The XXXX rep told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have knowledge of this debt. I have disputed the debt with the 3 credit bureaus at least 3 times, requesting proof that the debt is mine and or removal from my credit report. The collection agency is claiming a debt with XXXX XXXX, saying the account is recent, however ; I have been with XXXX XXXX and/or XXXX for >15 years. I called and requested proof of a contract or something I signed or agreed to. The collection agency sent me a document to report " identity theft '', and to provide a police report which is no applicable, as I did not have a XXXX account in my name, was not aware of the account, so no police report would be available.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A