Date Received: 2023-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i have tried to resolve this situation with XXXX, and ask them for verification of this debt and also i disputed it with all 3 credit bureaus and it came back verified and unchanged, someone open this account in my name without my authorization, this account is fraudulent
Company Response:
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I recently sent a certified letter to Jefferson Capital asking for validation of what appears to be 2 separate accounts listed on my credit profile. I asked them to provide me the following information in which that failed to do so. Please see what was requested in writing by them below- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. With that being said, I have yet to receive any of the following instead I started receiving harassing phone calls saying they are a Law Firm and it is an attempt to collect a debt. A gentleman in which I could not even make out due to his accent appeared to be of XXXX decent. I tried communicating with him and asked that he only communicate with me via US Mail.
Company Response:
State: TX
Zip: 75160
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: JEFFERSON CAPITAL SYSTEM {$240.00} OPENED XX/XX/2023 IS FRAUD.
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response:
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: JEFFERSON CAPITAL SYSTEM opened a collection account on my name for {$15000.00}, I am not liable for this debt with charter communications, I do not have a contract with JEFFERSON CAPITAL SYSTEM, they did not provide me with the original contract as I requested.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: First of all, I want to start with that my first complaint about the XXXX XXXX in your file from 2020 was never resolved. The creditor had charged my account twice for a product not ordered nor received. They only credited me once, so the amount is still owed to me, please follow up. Secondly, I now receive a debt collection request from XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, or XXXX XXXX XXXX, XXXX, NC XXXX, original creditor XXXX XXXX XXXX XXXX {$4000.00}, phone ( XXXX ). I requested validation of debt since the original creditor disputes the existence of this account. Instead, I receive an ID theft form that asks for all my personal information. Certainly, I will not give this to a scam company, and ask that you request that this company pays the {$1000.00} FDCPA penalty directly to me, since they can not provide an itemized statement nor any validity of this debt within 30 days as requested when the first debt notice was received. Otherwise, JCS, XXXX would also need to pay my legal fees, while this matter will go to court in WA.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX i sent Jefferson Capital systems a VALIDATION of debt request, requesting certain documentation that can prove the debt is valid and that the debt belongs to me. Jefferson capital then sent me a fraudulent bill. I asked for a signed contract note, and other documents be sent to me which should be easily found and provided if this debt is valid. Verifying my name and address is NOT validation of debt. Jefferson Capital MUST under the FCRA provide me with all of the documents i requested under the FCRA and the fair debt collection practices, but as of yet has not. Please see the document attached ( 2 ) as i sent them a validation request and a second notice to let them know that the requested documents have still not been received. The attached notification were sent certified mail and verified received. The solution to this issue from Jefferson Capital is that it cease and desist all collection efforts and that the alleged debt be removed from all 3 credit files within 30 days of this complaint. If Jefferson Capital refuses this resolution it MUST provide the following : The agreement with your client which legally grants Jefferson Capital the authority to collect this alleged debt. The signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. No other resolution will be acceptable in this matter.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company appeared on my credit report. No letters in the mail. No identifying information on credit report. No idea what this is. Called company they refused to disclose any info.
Company Response:
State: TX
Zip: 76148
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Continuing to get phone calls from this creditor even though case is closed. Trying to attempt to collect a debt.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A