Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is now my XXXX complaint with this creditor. The original creditor on this account is XXXX XXXX XXXX XXXX . However this account was sold off to Jefferson Capita in XXXX XXXX. Jefferson capital has admitted in their response that they're the current creditor and head creditor of the account. They also admitted in the letter that they started reporting on the account in XX/XX/2023. They're not aloud to report on my credit with it being a sold off account and report them selves as the head of the account and report on my credit. It is illegal to do so. Id like this account fully closed and taken off all XXXX of my credit bureau files
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was notified by a credit monitoring agency that there was a change to my credit report. I was not notified by this debt collection agency of any alleged debt.
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As of XX/XX/2023 You are reporting inaccurately without proper verification or validation of this alleged debt.
Company Response:
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt is not mine
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt occurred from identity theft and the collection company didn't even verify this account. XX/XX/2023, {$560.00}, law suit
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt occurred from identity theft and the collection company didn't even verify this account. XX/XX/2023. {$1000.00}, lawsuit
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XXXX, Jefferson Capital Systems LLC placed unverified and inaccurate information on my credit file. This company failed to validate this debt. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Amount : XXXX Related Account number : XXXX I have requested that Jefferson Capital Systems LLC verify this debt and send me all contracts and documents between myself and them bearing my signature. This is not my debt. I don't have or have had any business with this company in the past or currently. This has caused a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put the item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all XXXX major credit reporting agencies not to resurface on my credit file.
Company Response:
State: FL
Zip: 33860
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The company, Jefferson Capital System is inaccurately reporting a fraudulent account in the amount of {$390.00} under my name and my credit reports! I have contacted them several times to advise them of this and even sent over my police reports and other documents and they still report this under my name and credit reports. This is affecting me and causing me stress and more.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted Jefferson Capital Systems to settle a debt and have it removed from my credit. We agreed to settle for {$500.00}. I paid {$100.00} towards the balance the same day and the balance was left at {$400.00}. I was laid off from my job and informed JCS that I do not have the money to finish the balance. I requested they hold my account until I find employment. It was agreed they would hold my account. On XXXX Jefferson Capital Systems re-reported my account using re-aging to all 3 credit bureaus and stating my account is delinquent. This dropped my score over XXXX points. This is illegal for JCS to re-age my account and after promising to hold my account, they re-reported it again. I would like for JCS to fix this on my credit report or I will pursue further action to sue for re-aging, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). I will also report this to FTC.
Company Response:
State: AZ
Zip: 85331
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX is in violations FCRA States I have the right to privacy. 15 U.S.C 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.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: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A