Date Received: 2023-10-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Jefferson capital is constantly trying to collect on a debt of which the amount and or debt is incorrect I made numerous attempts to contact Jefferson capitalal and I was met with a lawsuit despite my numerous attempts to recover founded informed so I may check and despite any inaccuracies. Jefferson capital refuses to furnish ne with a copy of said information and I fear that this default will result in garnishment of wages. I recieved three accounts from Jefferson capitan Capital on XXXX XXXX XXXX XXXX XXXX These amounts are incorrect and need to be corrected
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did get did not give any -written permission for these accounts to be published on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / account deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent ACCOUNTS on my XXXX XXXX credit report THERE ARE JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY! Ive submitted proof of Identification card, Social Security card proof of address and FTC report.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i was trying to inquire about house to buy with option to rent, they check my credit reporting and made me aware of various inquiries that do not belong to me. Due to my reporting showing this item, I am unable to move forward on my daily living.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XXXX sold Jefferson my information and Jefferson reported this every month like a new account. They are aggressively demolishing my credit that XXXX bill was old by my ex-wife cause I had no clue a XXXX bill ever existed. When I did call Jefferson to dispute this I was giving another number to another company they are selling my information without my consent. I do have rights against that selling my information like social security number put me at great risk for fraud I don't owe this debt and I'm not responsible for this debt and I don't have a contract or signed any paperwork for this debt with Jefferson or the people they sold it my information too. Legal action will be taken if this debt that don't belong to me not taken off my credit report selling my information without my consent is fraudulent.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Complaints were filed on XX/XX/2023 and all i got was feedback provided and company responded i tried to apply for loans but were denied do to negatives on my credit report which is a violation of 15 USC 1681
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: XXXX XXXX XXXX was the original creditor. I took out a personal loan and used my title as collateral so secure the loan. I defaulted on the loan. XXXX XXXX XXXX sold my debt to Jefferson Capital, LLC. United States Code 18 Section 8 states that ALL BILLS ARE PAID! Federal Reserve Act 16 Section 1 and 2 tells you the application is the security collateral. I was duped from the start. I am demanding presentment to get my title because I am the registered owner. My loan was paid in full once XXXX XXXX XXXX sold the debt to Jefferson Capital, LLC therefore I am expressing my power and duty over my property ( my title ) and want them to admit their breach under the FOIA ( Freedom Of Information Act ). I am demanding Jefferson Capital, LLC and XXXX XXXX XXXX to provide me of all records of lien or perfected security interest in my title.
Company Response:
State: WV
Zip: 25404
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX XXXX XXXX, MN XXXX Has been trying to collect on 2 alleged collections that they have placed on my CONSUMER REPORT WITHOUT MY CONSENT
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A