Date Received: 2020-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX, sold a paid debt to a collection company and put remarks on my credit report that reflect new activity on a collection paid XX/XX/2019. This has dropped scores significantly and is impacting my ability to purchase a home using FHA loan finacing. When I spoke to a representative at XXXX XXXX XXXX, he stated no information was available as the debt had been sold to another company. When I followed up with the company the debt had been sold to. Their automated system stated XXXX balance was owed. I believe the sale of a debt paid in full debt is in violation of the Fair Credit Reporting.
Company Response:
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Reviewed credit report and noticed I had a collection from Jefferson Capital. contacted them to see what it was for and they said it was for XXXX and I told them I didn't have XXXX so therefore I was not going to pay for something I have not used. They kept on insisting that I should pay them and also tried to drop down the amount but again I'm not going to pay what I don't owe. They can't give me documentation and also when I dispute it nothing happens. I don't think it's fair that I have to be going through this until the year 2023. Can you please help me with this.
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson CapitalSystems has reported a collection account to my XXXX, XXXX & XXXX credit files. I do not owe this alleged debt. If Jeffersonhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Jefferson Collections has no legal right to attempt to collect a debt. Jefferson has not validated this debt nor sent me a notice of collection. Jefferson is inviolation of the FCRA.
Company Response:
State: TX
Zip: 77377
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This account it old and was sold to a collection agency who does not have an account with me. This account should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My daughter 's ex boyfriend used my name and information to obtain an XXXX without me knowing anything about it. This debt was for {$2000.00} with XXXX XXXX. I have filed a complaint with my local police department. I filed a complaint online and I complained to XXXX and I can't get it removed from my credit report. This debt is not mine and I was not ever aware of it until I received a collection notice. It is theft and fraud and I want it removed from my credit report. Thank you
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$2600.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
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 have been attempting to dispute an unverified account on all 3 of my Credit reports during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX XXXX and XXXX on dates XXXX XXXX and XX/XX/2020 to Jefferson Capital Systems LLC as well as the original creditor which is XXXXXXXX XXXX. The only response from the XXXX XXXX was an invoice sent on XX/XX/2020. They have been unable to provide me with original contract bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from Jefferson Capital Systems LLC it has been brought to my attention this debt has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have bran violated by Jefferson Capital Systems LLC regarding this account. I have submitted this complaint in attempt to have this debt removed from all 3 credit bureaus.
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020 I sent Jefferson Capital Systems a letter, asking them to validate a debt, a right granted to me under the FDCPA and FCRA. They sent me a one page letter that did not bear any information worth noting. I still don't even know who they are collecting for, or if they are allowed to collect in the state of Pennsylvania. I'm extremely discouraged by my attempts to enforce my own rights, and I have met with an attorney who has advised me to document the case and file this complaint with you. Please help me! They are trashing my reputation and destroying my credit, and I don't know why!!!
Company Response:
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Letter was sent by JEFFERSON CAPITAL calming a debt of XXXX XXXX XXXX checking account. I dont have an account with XXXX XXXX XXXX .... I called XXXX XXXX XXXX to verify that nothing was opened under my information and nothing was found .... this a company trying to collect a debt that doesnt exist
Company Response:
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A