Date Received: 2017-12-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: For many, many months I have reported that this debt is 1. ex husband 's and 2. I paid it. No matter what I provide as proof they continue to bother me and report me to the bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2017-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: the company is a debt buyer.XXXX XXXX in 2015 they purchased an account from XXXX XXXX. the account XXXX XXXX was fraudulently obtained by identity theft and the XXXX account has subsequently been removes from my credit report However XXXX XXXX Remains. I explained to XXXX XXXX i reported this to the ftc, multiple disputes with XXXX and XXXX only one dispute with XXXX and it was removed with XXXX it still remains with XXXX and XXXX who agree the dispute is valid yet it still remains. If the originating account has been proved fraud and removed how is not the debt buyer of the fraudulent account. This is affecting every aspect of my life in a very bad way. It is unfair i feel as though they are strong-arming me. Again when the originating debt is proved fraudulent how is not this fraudulent as well.
Company Response:
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This is a very old bill from XXXX XXXX and had already been removed from my credit report approximately 2 years ago. The bill apparently was sold to another collection agency who then reported it as a brand new collection, which it is not. I never received notification that they were still trying to collect on such an old bill.
Company Response:
State: OH
Zip: 44094
Submitted Via: Web
Date Sent: 2017-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I was looking into an FHA for the first time and came across this collection which is an illegal one. The original debt was through XXXX that was over 5yrs old. Jefferson Capital is reporting an unverified debt that I allegedly owe to them. I have no contractual agreement with Jefferson CapitaXXXX at all. They are in violation of the Fair Debt Collection Act. I won my cases under the FCRA with Transunion which closed the account, but Equifax Experian has not and severely damaging my credit. I have now made XXXX disputes through Equifax. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. Jefferson Capital must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' which they can not sue for because of how old this is and all they sent was a bill with no original debt I owe, no details, no signatures, NOTHING. They have in XXXX I owe {$1000.00}, but when I talked to an employee there he said they can lower it to {$530.00} and are sending paper work ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. I am trying to buy a house and they 're making it hard. This dept is so old they ca n't even sue me or even had my proper address until 2 weeks ago which I 've been at for over 10 years. Jefferson is in full violation of the law and this needs to be taken today.
Company Response:
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account had been closed and Paid. I am receiving notices after four years about the balance. This is a closed account and still shows on my credit report. Closed XX/XX/2013
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. 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. I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number. 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 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
Company Response:
State: LA
Zip: 71291
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never received any documentation or any type of response from XXXX XXXX XXXX. I have no clue as to who this company is. I checked my credit report and sawthat they were trying to collect a debt from XXXX in the amount of {$320.00}. I have never received anything from XXXX and I previous was disputing that matter. The account for XXXX XXXX shows that it was open on XXXX XXXX, 2017. As of today, I have received no correspondence from them.
Company Response:
State: TX
Zip: 75240
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I stated to XXXX XXXX that I have know knowledge of any Debt they are claiming that I ow to them. XXXX XXXX is also reporting an unverified debt that I allegedly owe to them to the credit bureaus I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act that state they must validate and verify any and all debt to a 100 % accuracy. They are also violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. Im also requesting documentation of contrast with my signature thereof. If they can not produce such items they will be held responsible for Defamation of character
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: It states i opened an acct in 2016 and I did not currently shows that I owe {$2000.00}. They do not have license to collect or contact for debt in the State of Indiana. I want this information removed from all 3 of my credit reports
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Below is what I have copy and pasted from XXXX XXXX. I disputed the first one because this around the same time that my identity had been stolen, yet they close one and just turned around to open another one. This should not be on here. I have disputed multiple times now. PLEASE fix this. Thanks! XXXX XXXX - XXXX Closed : XXXX XXXX, XXXX + XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX - {$340.00} Needs Attention Overview You 've paid off 0 % of your collection amount. Balance {$340.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A