Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Jefferson Capital XXXX continues to lie to the credit agencies about a debt and I continue to request that it is removed yet they continue to change the date on this debt. To me that is criminal but at least it needs to be corrected, it is over 8 years old and was never valid in the first place.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was reviewing my credit report & noticed a collection account by the name of Jefferson Capital Systems. I dont recall seeing a written contract between myself & Jefferson Capital systems. It is my understanding that if they can not provide proof of this being my debt that it must be removed. According to the FDCPA, they must provide adequate proof showing that this debt is in fact mines, if theres no proof then this must be removed from my credit profile. Computer printouts of billing statements arent proof
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A