Date Received: 2023-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was in a XXXX partnership with someone at the time of the acquired debt and they received a brand new electronic device in the form of a laptop and I was wondering where she got the money for it. Now Im receiving the debt of the laptop so she went behind my back and stole my personal information too acquire the laptop in the form of an internet loan.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested a dispute and it got kicked back as accurate so On XX/XX/23, i contacted XXXX to get a better understanding of why i have an account in collections. The lady stated she couldnt find any account with the information i gave her and to contact the debt company to get an account number. I spoke with Jefferson capital and she gave me info on how to dispute and that its better to dispute instead of paying it off.
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also because my credit was affected by the XXXX Data Breach and I have put a freeze on my credit profile because I dont want any one to get access to my information. I have paid for the monitoring service from XXXX since the free credit monitoring service was provided through XXXX for customers. I believe it ended in XXXX and I've been paying for a monthly subscription since XXXX of XXXX
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I keep receiving letters from Jefferson Capital in regarding alleged debts from more that a decade ago. The last letter was received almost two months after the date on the letter.
Company Response:
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: While I'm not a legal expert, generally, if you have a payment arrangement with a credit collector, they typically shouldn't report negative information to credit bureaus. It's crucial to carefully review the terms of your arrangement. In my case with Jefferson Capital, they used my credit to retaliate against me due to a dispute I raised. The reporting of a one-dollar amount has resulted in a XXXX decrease in my credit score.
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This debt has been on my credit report since XXXX, according to the statute of limitations, a collection can only be on my report for 7 years. JEFFERSON CAPITAL has repurchased this debt in XXXX and is making it remain on there when it should have been off earlier this year. I am asking for this account to be removed off my credit report seeing that it is year XXXX and soon about to be XXXX.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity Theft. The information listed does not relate to any transaction ( s ) I have made.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Jefferson capital systems Balance {$260.00} I have no knowledge of this account Ive tried disputing this matter after looking into my credit report still no help with this matter
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems is reporting a XXXX XXXX account on my credit reports. I've NEVER had XXXX XXXX. You are liable for what you report and I will seek damages if it's not removed.
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I looked at my credit report and saw an unpaid balance of {$1600.00}. I havent had a XXXX account since XXXX or XXXX. This account was opened by someone other than me. I disputed the transaction with the company on my credit report and they said the debt is valid. I did not open this account. At the current time this account was opened, I was with cricket mobile for my personal number and boost mobile for my business number.
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A