Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : JEFFERSON CAPITAL SYSTEMS LLC # XXXX.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: JEFFERSON CAPITAL SY has put a collection of {$12000.00} on my credit report on XX/XX/2018. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened up an account with XXXX XXXX on XX/XX/XXXX and closed the account on XX/XX/XXXX. Jefferson Capital recently purchased this account I had from XXXX XXXX and has re-aged this account. They have told XXXX, XXXX and XXXX that I opened the account on XX/XX/XXXX and all 3 bureaus are reporting this Re-aged account as of XX/XX/XXXX. Since then, It has dropped my score. I would like this account deleted I also would like to sue Jefferson Capital for their Unscrupulous Illegal practices. I have a few copies of my credit report before Jefferson Capital Syst purchased the account and after they re-aged the account. I will attached to this complaint. Thank you for your time, XXXX XXXX
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: " Jefferson Capital '' has re-aged a debt and after dispute removed from one credit reporting agency. The debt in question is illegally being reported the credit bureaus and " Jefferson Capital '' is repeatedly using illegal practices and intimidation against consumers. The XXXX page for " Jefferson Capital '' is full of complaints about illegal practices from this debt collector. After a dispute of the debt one of the the bureaus removed the account, but Jefferson Capital has refused to remove the illegal report building the FDCPA and the FCRA.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL SYSTEMS LLC has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JEFFCAPSYS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the erroneous account reporting on my Credit Report : JEFFCAPSYS - Acct. No. XXXX
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Called Jefferson capital systems because a debt showed up from them on my credit report. I called to negotiate a payment but they told me they had no open account for me. When I disputed the debt, they sent the credit reporting agencies documents showing the debt was valid even though they currently hold no debt for me. They are fully aware of the fraud and do not care to correct it.
Company Response:
State: PA
Zip: 17522
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had an account which XXXX said I owed XXXX dollars, I did not. I lost money on the account and they had owed me. Then, after the initial XXXX dollars was disputed XXXX made a hard inquiry on my account without my knowledge, which is illegal. Next they said they sold the account to Jefferson Systems LLC who can not be reached. XXXX would not offer details when asked when the account was sold as I have dates on my report which I could use to determine who did the hard inquiry. I dont even know if Jefferson Systems LLC is a real legitimate company as they can not be reached. The hard inquiry needs to be removed. I have already contacted both mentioned companies and contacted my credit check agency as well. XXXX needs to be held accountable for the money they steal from clients and small and large businesses alike. XXXX even erased my transaction history, to hide their tracks.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company put this on my credit without consulting me or trying to see if it was my debt. I called them and asked and they said it was from a XXXX account I had. But it was not my debt and I asked for them to show me. I even called XXXX and they said the account never showed under my name to so they were unsure what was going on. So they removed it from credit and then put it right back on there!
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The debt collector JEFFERSON CAPITAL SYSTEM has put a collection on my report from an identity theft that took place during XXXX. The report is filed with the police.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A