Date Received: 2021-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Collection agency XXXX XXXX XXXX has reported a debt on all three of my credit reports in the amount of {$460.00} on XXXX XXXX they also have reported both that its either open or closed. The original debt was purchased by XXXX XXXX, I have never had this cellular service ever. The are also other discrepancies on my credit reports which I am currently disputing.
Company Response:
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL SYST is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I keep receiving the call from XXXX XXXX ( XXXX ) as scam call of debt collection. I don't have any debt.
Company Response:
State: IN
Zip: 46323
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: RE : Jefferson Capital Systems , LLC, a debt collector I learned from viewing my credit reports that the debt collector re-aged my debt when reporting to all three credit reporting bureaus. Re-aging a debt is the act of reporting an inaccurate date of first delinquency to a credit reporting agency. According to the law, Fair Credit Reporting Act ( FCRA ), the date of first delinquency is shown in credit reports. Subsequent activity, such as one debt collector selling the debt to another collector, is irrelevant, particularly to the 7-year rule outlined in the FCRA. The start of the 7-year period begins at the date of first delinquency, or if no payments are made, when the first payment was due. Unscrupulous collection agencies, such as Jefferson Capital Systems, reset the date of first delinquency to stretch out how long a derogatory account appears on consumers credit report. This is illegal under the FCRA. In the case of my debt, the first date of delinquency is over five years old. Jefferson Capital Systems , LLC has reported the date of the debt as only two years old, XX/XX/2019.
Company Response:
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was originally opened years ago, removed from my credit report and then placed back on my report this year to appear as a new account. I am not financially capable of settling this account as I have fallen on hard times.
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I PULLED MY CREDIT REPORT AND SAW THAT A COMPANY NAMED JEFFERSON CAPITAL SYSTEMS SAYS I OWE XXXX. I HAVE NEVER HAD A XXXX CARD. I AM ASKING THAT THEY REMOVE IT FROM MY FILE. THE ADDRESS THEY HAVE ON FILE IS NOT MY ADDRESS.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Contacted XXXX about the debt, they stated they thought someone else had taken out another phone in my husbands name couldnt find anything with his social security number ... two weeks later they removed this account from his credit report and closed it and said resolved which brought his credit up now this happened in XXXX I have the documentation, then they sold the account to Jefferson capital systems which now they keep hitting his credit report I called them and they said they had this account since XXXX which makes no sense if they closed it threw XXXX and put resolved Jefferson capital system said they are going to dispute it but we will still probably have to pay which I think is unfair
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company jefferson captial systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law
Company Response:
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called them and tried to settle the debt, they did not allow me to stating they must have the last four digits of my social security number. I asked for other verification methods, they asked for my full name, address and reference number which I provided them. They then said thank you and asked for my social again, I stated I was not comfortable giving that information and they said Im not able to talk to you then. This is misrepresentation, they gathered information about me under the pretense that I was going to be able to settle my debt, then did not allow me to do so. I told him I do not want any information from him other than, If I pay you {$350.00} will that settle the debt? He said he will not talk to me about any single detail without my social security number, continued to talk over me and then stopped talking, the call continued for five minutes in silence and then he hung up the phone :
Company Response:
State: AZ
Zip: 85208
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A