Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable for this debt owed to XXXX for {$3100.00} ..I did not sign a contract with Jefferson capital system , there this is not my debt..
Company Response:
State: CA
Zip: 92551
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am filing this report because I discovered that I've been an identity theft victim and informed all the required parties. I told the credit bureaus and informed the creditors I suspected they were fraudulently reporting on my credit report. After deliberation, the creditors were notified and are aware that the accounts they are currently reporting to the credit bureaus are fraudulent and do not belong to me. I contacted the collection companies and informed them that the version resulted from fraud and identity theft, and they needed to remove it from my credit report. They have ignored my request. At this stage, my credit is being harmed by these derogatory accounts and collections and must be removed from my credit report.
Company Response:
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital systems is reporting a account on my credit report that I am not aware of and they havent responded to me to show me proof of debt or if they are legally able to report account and or colllect on it. I have had my credit comprised it has been a victim of theft multiple times over the last few years for some reason. Ive written letters and received no response and they are reporting it on all my account.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: " I am disputing the debt they are attempting to collect, as it is a result of identity theft. I have filed a report with law enforcement and have a case number. Please cease collection activities and provide me with the necessary information for your records. Thank you Unfortunately I dont have any account numbers but I can see a open balance with Jefferson Capital system for the amount of {$3900.00} from original account XXXX backed a few years ago in which the account was opened fraudulently.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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: 33624
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX sent me a letter from Jefferson capital collection I am never late on this card it is paid on time every month! They put it collections and no idea why I called XXXX and agreed that my account is fine and up to date I dont understand how or why this could happen? All this did is put a negative remark on my credit report! XXXX not very happy about this and I want something done about XXXX sending out false statements to ruin my credit score! And get ahold of Jefferson capital when I called them they couldnt answer me on my issue! Thank you z XXXX XXXX
Company Response:
State: NY
Zip: 14075
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received an email communication from XXXX on XXXX XXXX, XXXX informing me that XXXX was attempting to collect a debt on behalf of Jefferson Capital, who had purchased the debt on a XXXX account from XXXX. Upon inspecting the claim, I saw that the address for the account was XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I have never lived there and have not used XXXX at any time in the last five years. I also never received any communication about the activation of this account, nor any missing payment for this account. I believe somebody registered the account under my name, yet somehow without my email or phone number. I am not quite sure how the account was tied to me. I explained the situation over the phone to a representative at XXXX in detail and sent to the company via email another explanation. XXXX then communicated over email that they would not longer be servicing the debt. Jefferson Capital then contacted me via mail stating that additional information is needed for my dispute. I attempted to log into their site with the JCS reference number provided to me and last four digits of my social security number. The JCS site would not let me log into their site to continue my dispute. JCS provides the option to call their customer service line, but I work long day hours and do not have time to settle the issue over the phone during business hours. I am in effect trapped due to JCS ' inability to manage their IT systems or open their call lines at convenient hours. I am also not sure why I have to contend with two debt collectors for this debt, especially if XXXX has, after collecting information, decided they will not service the case. I would like to submit this complaint against both XXXX XXXX XXXX XXXX XXXX and Jefferson Capital Systems. XXXX XXXX XXXX XXXX XXXX first failed to verify the identity of the person creating an account with their service, then made money selling this fraudulent account debt to Jefferson Capital Systems. Jefferson Capital Systems attempted to collect the debt through XXXX, and after XXXX dropped the case, continued to harass me about this debt.
Company Response:
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2023 I went online and received a copy of my credit report. To my surprise I learn that I've been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family.
Company Response:
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC1681 b. 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. I would like the following accounts removed : XXXX XXXX XXXX : ACCT : XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$450.00} XXXX XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$250.00} XXXX {$430.00} JEFFERSON CAPITAL SYSTEMS ACCT : XXXX XX/XX/XXXX {$2200.00}
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A