Date Received: 2023-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX purchased " debt '' without my permission from XXXX XXXX TX. I did not give permission for the company to do so. I have requested they they cease communication, alongside XXXX XXXX ( which was very abusive and harassing ). They continue to call and email me. I did not give permission for XXXX XXXX to purchase any " debt '' or represent me. I am the consumer and original creditor and do not owe. They have also been trying to pursue this for more than 180 days, and should cease trying to do so. In violation of USC 15 1602. I could list more if needed
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My credit score was hit multiples time by a debt I never had from the company below for the amount of {$880.00}. I've never received a loan from this company or ( XXXX ). All debts I currently owe are in good repayment status. The disputed debt in question was never mine and I never received any money from this company or ( XXXX ) in my bank account. XXXX XXXX XXXX Date opened XX/XX/ Status Collection account. {$880.00} past due as of XXXX XXXX Status updated XX/XX/ Balance {$880.00} Balance updated XX/XX/ XXXX XXXX Original creditor XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Submitted a dispute on XXXX XXXX XXXXXX/XX/ XXXX XXXX saying I know Im not responsible under the House Joint Resolution 192 & 18 USC 8 for a balance of {$140.00} that Jefferson capital system is claiming I owe still refuses to remove it so now its identity theft USC 1681 ( c ) ( 2 )
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called Jefferson Capital to get this taken care. This was the number I called. ( XXXX ) When I called and gave them the last 4 digits of my SS. They tried twice. They said they cant speak to me because social is not correct. I tried to explain that this bill doesnt come up on my credit report. It comes up {$0.00}. They refused to talk to me.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX has reported on my credit, that I have a collection account. Jefferson Capital systems. I have disputed this many times. Still it remains on my credit report.Im not aware of this account nor did I ever open this account. Im really frustrated because it's affecting my credit score. It's really damaging my credit history. Ive called the Jefferson ca [ ital systems, they say they are just collecting on behalf of XXXX. Ive never owned a XXXX account or phone. This must be fraudulent. I have explained this to XXXX many times but they say the same thing to wait until results of dispute are available. Once they are they say dispute them. It's very stressful. Id appreciate if you can help me with this problem I'm having and is affecting my life in a very negative way.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or about XX/XX/2023, a Debt Validation request was sent to Jefferson Capital System via mail. The following items were requested as part of the Validation. 1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt by the Original Creditor. 2. Proof that you are a legal debt collector in California. 3. A copy of the Bond that shows that you are Legally Registered in My State. 4. Copies of ALL Statements from XXXX to XXXX of this Account. Jefferson Capital has failed to validate this debt and instead referred the debt to XXXX XXXX for collection. Jefferson Capital, XXXX, XXXX, and XXXX have refused to remove this unverified debt from my credit report. Per FCRA, 15 USC 1681 et esq, I am entitled to a fair and accurate credit report. The inclusion of this unverified debt is a Violation of My Rights under the Fair Credit Reporting Act. It makes my consumer credit report inaccurate and needs to be deleted.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX {$790.00}.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A COLLECTION BY THE NAME OF JEFFERSON CAPITAL SYSTEMS ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX ) WAS PLACED ON MY CREDIT REPORT DATED XX/XX/2023 with a balance of {$3000.00}. THIS COLLECTION IS INACCURATE AND DOES NOT BELONG TO ME NOR WAS NOT APPROVED BY ME. I REACHED OUT TO THE SAID DEBT COLLECTOR AND HAVE NOT RECIEVED A RESPONSE WITHIN THE 30 DAY PERIOD GIVEN. PLEASE REMOVE THIS OFF MY CREDIT FILE, IT IS DERROGATORY AND PREVENTING ME FROM ESTABLISHING NEW CREDIT LINES.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by Jefferson Capital to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to Jefferson and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.
Company Response:
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted Jefferson Capital on several occasions. It started about a year ago. I was promised on numerous occasions that the debt would be taken off my credit report. They have sent me many letters to promise the debt would be taken off my credit report. They have not taken this debt off my credit report. I have requested a debt validation letter 90 days ago. I have not received anything.
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A