Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received calls from this place about 8-9 months ago and told them this was not mine and that I've never had XXXX XXXX and during their dates they gave me over the phone, I was XXXX. I requested a purchase agreement of the debt to see details and also any other back up and they'd hang up on me. This should be removed!
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I sent previous letters to the collection company asking to send me my original contract and validation of the debt, i sent a letter in XXXX and also XXXX. Jefferson Capital system has no right to report this account and inaccurate information. I demanded for this to removed from my credit report due to the FCRA consumer laws. This company agreed and failed to do so. I do not have a contract with JEFFERSON CAPITAL SYSTEMS!
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXX, and XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Jefferson capital systems has contacted me about a debt that was result of identity theft back in XXXX. According to the law 15c it was supposed to be deleted years ago when I reported it. I also did not receive proper debt validation. In the amount of {$2300.00} Jefferson capital systems knows this was a result of identity theft.
Company Response:
State: MI
Zip: 48504
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX violated title 15 USC1681b on XX/XX/2023. XXXX had no permissible purpose to put a collection on my consumer report. XXXX put JEFFERSON CAPITAL SYSTEMS on my consumer report. I have no contract which JEFFERSON CAPITAL SYSTEMS.
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Jefferson Capital Systems ( hereafter JCS ) is reporting a {$5000.00} delinquent balance for XXXX cell phone service on each of the three credit bureaus. I disputed the veracity of this alleged debt to the bureaus, whic h JCS verified. I subsequently contacted JCS via telephon e for additional information. They claimed at that time not to own any accounts matching my name or SSN. Despite this, they are continuing to report this supposed debt to the credit bureaus.
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS, AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS AND/OR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: XX/XX/22 amount XXXX Pursuant to 18 USC 8, I owe no debt this company is violating my consumer right to privacy pursuant to USC 15 1681 b 2 Company has no Permission To report anything using my info, pursuant to 15USC 1681 4
Company Response:
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a collection account with Jefferson capital systems for {$1800.00} opened XXXX XXXXXXXX XXXX. The original creditor says XXXX XXXX XXXX. I have disputed the account several times and it keeps coming back as a valid account. I have not had a XXXX account in 5 years. I am XXXX XXXX XXXX XXXX XXXX it is simply impossible for me to have opened this XXXX account. If the charge is actually from XXXX in XXXX, that account is still open and making payments monthly. This debt does not belong to me, I have no knowledge of it. No one has ever contacted me about it, and no one has ever proved the debt to me. It just magically appeared on my credit report. Also, after my second dispute it was removed for about a week and then put back on.
Company Response:
State: ID
Zip: 835XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Jefferson Capital LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX To Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. I formally dispute the validity of this alleged debt. My dispute to Jefferson Capital collection letter, dated XX/XX/, will be sent to Jefferson Capital electronically via Jefferson Capitals email XXXX, CFPBs portal and to the address referenced above, via certified mail, for record keeping purposes. I do not owe this debt or any debt to Jefferson Capital or to any third party Jefferson Capital is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have enclosed a copy of FTCs id theft report to this letter. Additionally, per FDCPA, notifications of dispute must contain the following : the amount of the debt the name of the creditor to whom the debt is currently owed a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector a statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 15 U.S.C. 1692g ( a ) ). information that helps a consumer identify the debt being collected information about consumer protections information to help consumers exercise their rights under the FDCPA, including a tear-off dispute form with pre-written prompts for disputing a debt, and disclosures required under certain laws. ( 12 C.F.R. 1006.34 ). The notice which I received failed to include the majority of the aforementioned, in violation of FCRA and FDCPA. You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. Thank you for your attention in this matter. XXXX XXXX XXXXXXXX
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A