Date Received: 2019-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I became aware of a fraudulent, hard credit inquiry for XXXX XXXX on my XXXX credit report from XX/XX/XXXX. I placed a fraud alert and credit freeze at all three credit reporting agencies XXXX, XXXX and XXXX. on XX/XX/XXXX. I called XXXX XXXX at their phone number XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of this fraudulent activity and on each occasion was informed that no account had been approved or created in my name and that the inquiry would be removed from my credit report. I also informed them of the fraud by email at XXXX on XX/XX/XXXX but received no response. I requested information from them in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX on XX/XX/XXXX and from XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX but received no response from either. On XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX for {$1800.00} for XXXX XXXX Account # XXXX. I never received any billing or correspondence from XXXX XXXX regarding this account, where this transaction took place or what it involved despite requesting it as described. I tried to submit a fraud claim directly to XXXX XXXX electronically several times but I am always denied the final submittal despite supplying all requested information. I submitted an identity theft police report to the XXXX Police Department on XX/XX/XXXX after receiving the collection notice and getting nowhere with XXXX XXXX. I will attach the police report and letters sent to XXXX XXXX if possible.
Company Response:
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.
Company Response:
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have a old debt with XXXX but it was in XX/XX/2013 and this account its too old to be in my credit report. I have this debt from 6 year ago. Now this collection company is keeping calling me every single day all the time. XXXX is taking care all my credit but still is hard because the XXXX XXXX debt company keep harassing me every day and the account dates are not correct in my credit. Please release this debt from my credit report because this debt its too old to be in my credit report. Thanks
Company Response:
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is an old cell phone bill originally by XXXX, that occurred in XX/XX/2012 while I was in high school working a part-time job. I paid on it until my temporary job ended and it took awhile to get another part-time job. Due to limited income I was not able to continue to pay and XXXX turned the unpaid bill over to a collection company. This is now affecting my credit score and now affecting my ability to get a good job with a federal agency. I am willing to settle the account but I would like proof of the contract which I am not getting.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX I received a credit alert stating that a company by the name of XXXX XXXX XXXX added a collection to my XXXX, XXXX and XXXX alleging I owe them {$2400.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by XXXX XXXX XXXX in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2019-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: a XXXX bill would not remove my month in advance payments and did not cancell i took them to court small claims and one got letter from them saying it was off my credit report 2 years later a collection agency wants this money check my credit report it is not on it the agensy is trying to scam me out of money XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone opened an account in my name at XXXX wireless and there is a bill for {$1100.00} that was turned over to XXXX XXXX. I have sent then identity theft letter, police report, and all documents in that they have requested. Over 30 days ago i asked for a follow up and removal from my credit file. There has been no further communication from XXXX XXXX and this remains on my report. I have already spoken to XXXX and sent in the paperwork to them also. XXXX service is not even offered where i live and the company does not all shipping to my address. It seems pretty obvious that this is fraud but nothing is being done nor has been done for 4 months now.
Company Response:
State: OK
Zip: 748XX
Submitted Via: Web
Date Sent: 2019-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Collection company XXXX called me XX/XX/19 to collect a debt. I was at work so I asked them to call me back after work on Monday. They didn't call back so I made a call to them on XX/XX/19 in regards to this debt. A gentleman answered the phone and verified my information. He asked about settling the payment for XXXX. I told him I was unable to do that because I am a single mother of the children. Based on my finances I could make a {$500.00} payment to satisfy the account. I wasn't able to make payments due to my financial hardship. He was pressing to set up a payment plan which I told him several times I was unable to do. Then he got upset and told me that if I was unable to do this then he will write that I am refusing to settle the debt and they will garnish my wages then hung up on me.
Company Response:
State: OR
Zip: 97301
Submitted Via: Web
Date Sent: 2019-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt was from a mastercard I had years ago that was paid, and it has been past the time they can collect
Company Response:
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A