Date Received: 2023-09-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Jefferson Capital brought an account from XXXX XXXX collection amount of {$920.00} I asked them to send me something validation of this account and they did not respond and now its on my credit file
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice about a debt that is not mine or ever heard about. Once I spoke with the representative XXXX he informed me that I had the debt from XXXX Its XXXX! I have included the document that Jefferson Capital Systems LLC sent to me..
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from debt collector Jefferson Capital on XX/XX/23 requesting {$8200.00}. I have no knowledge of doing business with Jefferson Capital, so I mailed the CFPB debt validation letter certified on XX/XX/23. On XX/XX/23, I received a response from Jefferson Capital dated XX/XX/23. The information sent to me was unresponsive to my demands. I requested proof that I owe money to Jefferson Capital. The verification wasnt proof I owed them. In fact, Jefferson Capital isnt listed on any of the papers sent to me! The verification doesnt even address the amount Jefferson Capital is asking that I pay, proof that I am even obligated to pay the alleged debt, or evidence that Jefferson Capital owns the debt. The letter also stated Jefferson Capital was not reporting this account to any credit reporting agencies ; however, on XX/XX/23 ( the same day I received the letter ), I was notified by 3 credit reporting agencies, XXXX, XXXX, and XXXX, that this unvalidated debt was added to my credit report as a collection. I asked Jefferson Capital for straightforward items, and they refused to give them to me while continuing collection activities. I am applauded by the blatant disregard for the law. Especially 1006.38 ( d ) ( 2 ) ( I ).
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX reported a collection to my account that I do not own and when I contacted them about said collection they said they don't own the debt and that another company owns it. How are they able to report said collection to my account if they don't own it? This is a major violation of my rights and this needs to be removed from my credit report immediately
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I tried to collect the correct information for this debt, and it was unobtainable through them and would not provide it.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company has the wrong personal information I did not open this account.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Jefferson Capital System, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2022 Account type Debt Buyer This is identity theft I have no knowledge of this account, tried to dispute it but I got nowhere with that process, complained with ftc and now cfpb
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter on XX/XX/XXXX with it dated XX/XX/XXXX stating I had an outstanding balance of {$2800.00}. I checked XXXX as well as XXXX to see if this balance exists and it doesn't under my name. Towards the bottom of the letter it states " this is communication from a debt collector and is an attempt to collect debt '' and right above that it states that by renewing this debt they still start a lawsuit against me which means this is a debt that was reported off and they are attempting to reage this debt, or this debt was never under my name.
Company Response:
State: HI
Zip: 96817
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A