Date Received: 2024-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Was approved for a loan towards dental work on my teeth however I explained to them I never got the work done? I sat down with an employee at the dentist and they asked me if I wanted to see how much I can qualify towards getting my root canal..I got the approval amount however I never ever got the work done on my teeth at all? I explained this as well disputed this credit report as it appears on my credit in which is causing my credit score to decrease. Something has to be done Im being held for a amount when I never got my teeth worked on
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have just been notified twice by Jefferson Capital that I owe XXXX {$370.00}. The bill shows I ( you paid ) {$1.00} on this account, XXXX account number XXXX and JCS reference number is XXXX, AND I did NOT pay them {$1.00}! They state this is for an account between XX/XX/XXXX and now. I have not had a XXXX, usable XXXX, account since approx XXXXI dont recall exact year and that was paid in full. I phoned Jefferson Capital today, XX/XX/XXXX, and spoke with XXXX or XXXX-I couldnt understand him clearly. He threatened me with my credit bureau accounts and demanded payment. I could barely understand him and he would not listen to me until I said shut up which he did until I thought he had heard me but apparently not- as he continued demanding payment. I did not pay them {$1.00} on this account they say I had in XX/XX/XXXX. It is not my account. I live on social security fixed income and many, many people are targeting us. I will not pay liars and thieves. Please get these harassing people with false claims shut down. Unless you are XXXX, you can not understand how we, as XXXX, are being preyed upon and persecuted. Please resolve this issue for me.
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Jefferson capital llc put it back on my credit report I have never done any business with jefferson capital period its a couple year old closed XXXX account
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/2023 I submitted to XXXX that Jefferson Capital System - At address XXXX XXXX XXXX XXXX XXXX MN XXXX that this account I have no knowledge nor applied for any credit nor do I owe {$170.00}. I submitted a request to please investigate and remove this unknown balance off my credit report. I did not apply for this. I am a XXXX and XXXX XXXX XXXX XXXX that barely lives off a fixed government XXXX XXXX monthly income. Please do your diligent deep investigation and remove this off all 3 credit bureaus. I had to submit a freeze on all 3 credit bureaus due to this issue. Please rectify.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never opened a XXXX account and the dates of this account was incercareted you can XXXX my first and last name on the fraudelent account
Company Response:
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., has violated my rights. Account name : XXXX XXXX XXXX 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 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: 15 U.S. Code 1681b-Permissible purposes of consumer reports. I never gave XXXX XXXX, XXXX, or XXXX any written consent to add this on my credit report. Jefferson Capital System # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$940.00} Jefferson Capital System # XXXX {$10000.00}
Company Response:
State: IL
Zip: 60559
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. Thank you. The company is JEFFERSON CAPITAL SYSTEM
Company Response:
State: GA
Zip: 30736
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Over 10 years ago I was in a dispute with XXXX XXXX and settled a debt with them for less than they said I owed. They then sold the remainder of the " debt '' to one debt collector after another to this day. To the first debt collector I sent proof I had paid the but, since it was not the amount XXXX said I owed, they would not take it off my credit report. It has then be passed from debt collector to debt collector for years. Recently it showed up on my credit report again from Jefferson Capital. I told the company that it was paid and that the debt was well over 7 years old. They reported it to the Credit Reporting agencies as a debt incurred in 2021 even though it is much older. I wrote to all XXXX major Credit Agencies, telling them it was over 7 years old and had been paid in a settlement, but Jefferson Capital continues to report to them that the debt is from 2021 and refused to remove it.
Company Response:
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A