Date Received: 2021-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don`t belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jeffcapsys ( jefferson capital systems ) at XXXX XXXX XXXX XXXX XXXX. XXXX, Minnesota, XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. 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: MI
Zip: 48036
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: NC
Zip: 27292
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: not owed. Attempting to collect a debt that not owed
Company Response:
State: CO
Zip: 80011
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed on my consumer report that Jefferson Capital was reporting on my account. I have never consented to contract with them, so they have breached my privacy by obtaining my private information. I sent a letter to Jefferson Capital on XX/XX/2021 asking them to produce a valid contract that I have with them. I also sent along a document for them so fill out and sign back under the penalty of perjury, which they completely ignored. They have since sent me a letter on XX/XX/2021 with none of the information I requested. In their correspondence, they violated several of my Federally protected consumer rights pursuant to 15 USC. This is causing me great stress and harm and also a breach of my privacy as I never consented to contract with Jefferson Capital, or any third party debt collector.
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by Jefferson Capital Systems. Last month, all the credit reporting agencies including XXXX finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from XXXX today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. Please see the attached documents. As it stands, Jefferson Capital and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency XXXX is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I informed company that name on account was not my information as I have no legal documentation with that name and that my spouse last name is on bill but I was not the one that opened account and that they need to fix this information and stop with the unnecessary phone calls as I am not responsible for this debt.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jeferson Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Other credit reporting agencies have already deleted the unverified account because they couldnt produce any verifying documents that verifies the debt was mine according to the Fair Credit Reporting Act.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: They claimed that all dates are correct and are demanding that I pay them in order to contact me.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A