Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is an item on my credit report that is reported by XXXX XXXX XXXX that claims I owe them {$370.00}. I haver never been in debt no had products nor services from this company. When I called ( XX/XX/2023 ) to ask them to send me the verification of a contract with my signature ( Wet signature on original contract ) I was told they do not have that and they did not have to provide it to me.
Company Response:
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson Capital System , Inc. purchased the debt and failed to provide notification and the original signature for the said debt. A verification of the debt along with licensing to collect the debt in the State of Florida was requested. Jefferson Capital System , Inc. failed to verify the account. Jefferson Capital System , Inc. is also not authorized, and or licensed to collect any debt, in the State of Florida.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The problem star coulpe.months ago I losse my job also I was involved in a car accident so I take time to recovery for my injury I still going to theraphy also I am not working in the main time I didn't receive letter for them also when I called they didn't anderstand my situacion about it also I tried to negotiate with them but they didn't andersatand my situation and they told me they will send my information to my credit report
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Jefferson Capital LLC stating that I owe XXXX XXXX and the amount owed is {$56.00}. I have never had XXXX XXXX XXXX a day in my entire life. I tried to call and explain that to them. They kept asking me for my social security number. I asked them how did they obtain my personal information and they didnt answer me. The fake account # is XXXX and the reference # is XXXX. Im distraught because I know this is fraud! Please help! I dont know how they got my personal information. This is not my account
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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: 33193
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I credit was used by companies Ive havent given permission to use .
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYST this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You JEFFERSON CAPITAL SYST knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Jefferson Capital is reporting inaccurate information on my credit report. For one. The date of XX/XX/XXXX is not accurate. I've not had XXXX XXXX since XXXX. I've not made one payment to Jefferson Capital nor admitted this debt. Secondly- the amount they are trying to collect is inaccurate. I've reached out to XXXX XXXX requesting information pertaining to my account with XXXX XXXX. I'm requesting the inaccurate information be removed from my credit report immediately! XXXX XXXX
Company Response:
State: MI
Zip: 49024
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I never open this account nor have I had this card. I dont know the bank.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX sold my debt to jefferson capital system without my written consent that identity theft
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A