Date Received: 2023-07-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A negative item showed up on my credit report Account # XXXX from Jefferson Capital System alleging I owed them a debt in amount {$2100.00}. On the XXXX of XX/XX/2023, I requested a debt validation letter from Jefferson Capital on a negative item on my credit report. The so-called verification letter I received back from Jefferson Capital Systems lacks content and did not provide the following which I requested : A copy of the agreement authorizing Jefferson capital to collect debt on behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. Jefferson Capital has violated my rights under 15USC 1692 Sec.809 ( b ). and did not show any lawful authority to collect on the alleged debt claim. 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. I demand this negative item be roved from my credit report immediately.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paid debt
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been trying to buy a car and i was denied due to damages to my credit according 15 USC 1681 Law That is deformation to my character.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The whole month of XXXX, XXXX, XXXX they have been contacting me nonstop about this alledge debt. I have asked for proof of verification. They are also not licensed to collect on this debt in the state of Florida
Company Response:
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Original Amount was over XXXX dollars and paid on time and in full. was never notified about XXXX short or given the chance to dispute amount.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX JEFFERSON CAPITAL SY is saying i owe them dept but it is identity theft {$810.00} account was opened XXXX XXXX
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XX/XX/2022, this account was discussed with XXXX and with a complete breakdown with the representative named XXXX XXXX, it was confirmed the amount of XXXX was an excessive overcharge. The representative provided me with an amount of XXXX being owd. The reporting amount is invalid, the date of the contract is incorrect and the phone numbers they included on the bill were a merge with a family member 's account in error. In XX/XX/2022, I spoke with Jefferson Capital, who were not able to validate the account with the original documents showing this account was opened by me and the amounts were owed and charged for me. According to FCRA, XXXX Jefferson Capital violated by 1. Mixing up one 's person information with another 's because of similar name. 2. Provided creditors inaccurate financial information about me. 3. Failed to send me notifications about this account and reporting to the Bureaus without notification. For the past 2 years, I have fought with creditors providing inaccurate information, all while recovering and receiving therapy from my military injury. These businesses have an awful way of dealing with Vets and Military staff.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing a formal complaint against Jefferson Capital, regarding their account number XXXX, for multiple violations of my rights as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations 15 USC 1681 Section 602, 15 USC 1681 Section 604 ( a ) ( 2 ), 15 U.S. Code 1692c, 15 U.S. Code 1692j ( a ) include mishandling and improper disclosure of my personal credit information without my consent, as well as unlawful communication regarding debt collection without my prior approval. Furthermore, Jefferson Capital furnished deceptive forms during the collection process, falsely implying the involvement of a third party.
Company Response:
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter on XX/XX/2023 from Jefferson Capital Systems , LLC about an alleged debt from XXXX. This account is in litigation with XXXX XXXX at this time. Pursuant 15 USC 1681a ( d ) ( 1 ) -you do not have and written or oral consent to furnish this alleged debt. Jefferson Capital Systems is violating my rights as a consumer and doesn't have permission to furnish this alleged debt.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a bill in XXXX for a charge of {$170.00} in my name XXXX XXXX. I no longer remember the company. I contacted the company at the time. A male representative could not confirm a claim of debt by said company and informed me they had no such record. Therefore could not send me an invoice of billing. I assumed it is a billing created on the dark web to sell my personal information. I waited for said charges to show up on my credit report. Jefferson Capital contacted me by mail XX/XX/2023. XX/XX/2023 they showed up on my credit report, claiming a debt of {$170.00}. They note the original debtor to XXXX. On XX/XX/XXXX I finally found company online and called number given online store I talked with a XXXX and a XXXX. The informed it maybe registrations cost. I asked them to send billing. They claimed they had no billing invoice on file in my name they could send. I asked them to send a letter verifying our conversation to email : XXXX. I have yet to receive email. Jefferson Capital gave me an email to which to give correspondence. XXXX given to me XXXX XXXX XXXX XXXX XXXX No one I talked to seem to have access to email or able to interact professionally in business communication to clarify or rectify issues that maybe in dispute. Jefferson Capital is unable to verify the existence of their account number XXXX or Reference Number XXXX. Recently someone has been tampering with my credit report and credit card information. I have had issues with my email. Dont know if there is a connection. Yet it came during the time Jefferson Capital began communication with me an attempt to just verify my personal information and identity. Enclosed is website information : https : //www.ftc.gov/legal-library/browse/cases-proceedings/062-3212-compucredit-corporation-jefferson-capital-systems-llc XXXX XXXX XXXX The main numbers I contacted regarding this matter : No one seems to be able to produce a invoice of billing. XXXX XXXX XXXX I no longer contact creditors unless I can identify the debt or can trace the company VIA internet claiming a debt, because I been a victim of too much fraud and identity theft. I no longer pay any claims unless the company can produce reasonable explanation of claims. I have notice, bad artificial persons want to claim billing 5 years after business has been completed. I assume because they understand a household may not keep infinite records. It is time consuming finding said records. Or worse an employee could misuse personal information given in the course of doing business. Thats why I pay in full for common purchases that may represent leisure. I may have never been indebted to {$170.00} to XXXX. I no longer recognize the name as being a company with which I have even done business. It is plausible. Employees can not verify any transactional information in writing that accrued an alleged debt.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A