Date Received: 2021-09-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: jefferson capital system llc. XXXX XXXX XXXX XXXX XXXX mn XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$300.00}, assigned date XX/XX/2019 the collection has been reported as past due balance. i do not know this company. i have never done business with this company. this company does not have a contract with my signature.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
Company Response:
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection letter from Jefferson Capital, stating that I had a collection for XXXX XXXX. I have never had an account with XXXX so I dont know how I would owe them anything. I called XXXX, but they would not speak to me about an account the is in collection.
Company Response:
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Company name JEFFERSON CAPITAL SYSTEM .date XX/XX/XXXX. Company is false reporting under my name .I made no inquiries to this company on such date. I called several times about this issue and nothing has been done. This debt is the statue law of limitations! Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. Subchapter ( 15 U.S. CODE S 1681 ). The above date is an incorrect date. The original date is stated XXXX XXXX. From The company XXXX XXXX XXXX Which the debt is being passed off to JEFFERSON CAPITAL SYSTEM. Which I never agreed too. This is now fraudulent activity on my report and I deman this to be removed under the Texas state law of statue. ( Any ) person who willfully fails to comply with any requirements imposed under the Texas state law of statue with respect to any consumer is liable to that consumer in any amount in the sum of-
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: After years of using XXXX, I received a letter from XXXX on XX/XX/XXXX that stated : " During a recent review of customer accounts, we discovered you were using a significant amount of data while roaming off the XXXX XXXX XXXX. While we appreciate you choosing XXXX, after XX/XX/XXXX, we will no longer offer service for the numbers listed above since your primary place of use is outside the XXXX service area. We encourage you to evaluate your wireless provider options and switch your service on these lines to another provider before XX/XX/XXXX. After your XXXX is discontinued on XX/XX/XXXX, you will no longer be able to transfer your phone number to a different provider. '' I switched providers on XX/XX/XXXX. Having to start over was very costly as the new provider did not support any of the devices we were using with XXXX. The letter also go on to state that outstanding balances will be waived no later than XX/XX/XXXX. I called XXXX when I first recieved this letter to clarify that, yes, they were indeed disconnecting our service, despite the facts that we were long term customers and current on our accounts with them. I received another bill from them after I switched to a new provider. I called them again and clarified that balances would be waived. I believed my accounts with them had been settled and closed. I reviewed my credit report and I now have an account in collections from XXXX opened on XX/XX/XXXX for the amount of {$240.00}. I do not believe that this is valid. I have already disputed it with the collection agency, Jefferson Capital System. This was their response, " Account information disputed by consumer, meets FCRA requirements. ''
Company Response:
State: ME
Zip: 046XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Jefferson Capital Systems LLC is a third-party debt collector, who purchased my consumer account from XXXX. Which is a violation pursuant of 15 USC 1692c. I did not give permission for this action. I paid this debt out to the third-party debt collector, Jefferson Capital Systems LLC . I reached out to XXXX to get this resolved, but they refused to correct the issue. XXXX sent me a letter validating their actions and made a threat to furnish this information negatively on my consumer report. This information is currently being reported negatively on my consumer credit report, by XXXX.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am furious that this company has continued to repeatedly attempt to contact me after i've sent them a cease and desist letter. Under the FDCPA 15 usc 1692c it is my right to cease all communication with a debt collector, and in that letter I also invoked my specified remedy that this company cease all communication with me and any other person regarding this debt through any medium ( which includes mail, phone, and credit reporting ). This company has violated my rights by continuing to send me letters stating that I owe something. This company has communicated with another company regarding my personal information after I did not give them consent to do so. And under law any medium is any direct or indirect communication. This company has also violated my rights under 15 usc 1692d by continuing to harass me after i told them to stop contacting me. This company has also failed to report to the 3 nationwide credit reporting agencies that they have sold my information to another company, especially without my consent.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below JEFFCAPSYS and XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. OnXX/XX/2021. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Jefferson capital systems has contacted me on numerous occasions about a XXXX XXXX line of credit that I've never had. In the amount of {$300.00}. I've called XXXX numerous times to make sure that I don't have a balance and I don't. I explained to Jefferson capital systems that this isn't my account.
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A