Date Received: 2023-05-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : JEFFCAPSYS Account Number : 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 2. Account Name : JEFFERSON CAPITAL SYST, ACCOUNT NUMBER : XXXX Why is there two accounts reporting with abbreviation of name and XXXX not with the whole account number? Is this done intentionally to damage my credit report even more?
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Debt Collector, RE Letter sent from JEFFERSON CAPITAL SYSTEMS Account : XXXX XXXX Account Balance : {$5300.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Please attach all the requested documents. Agreement with you and XXXX XXXX the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector. Must be 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. Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems severally tried to coarse and induce me to pay a debt that I do not owe and have subsequently reported it on my Credit Profile which is currently impeding on my ability to gain any measurable job and credit. They have deliberately ignored my letter to them, demanding validation of the debt and any contractual agreement with them bearing my name, signature, date of birth. Furthermore, they have proceeded to sue me in the XXXX XXXX Civil Court, GA in order to place a public record on my credit profile for a debt that I do not owe to them, thereby, further halting my abilities to move forward to provide for myself and my family. Jefferson Capital Systems must remove the negative report from my credit and rescind the court filing with deliberate speed.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/XXXX.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Scam collection place bought a false old phone debt. They arent authorized to collect and its not valid.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt has shown up on my credit report under Jefferson capital payment systems.. I have no clue what this is and when I reach out to the company They state it is being serviced by someone else.. I want this removed from my credit reports immediately
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for account listed without my expressed written consent.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX & XX/XX/XXXX is when i made complaints about JEFFERSON CAPITALIST. I have 0 knowledge of that account & been harrassed repeatedly through mail via phone calls. Total amount it says is {$4100.00} & IT IS THEIRS. I would like this off my credit history completely due to them violating rights & codes. Its been there 8-9 years & its affecting me bad. Including the 2 hard inquiries from XXXX XXXX. I also have 0 knowledge of trying to open either account.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Well today XXXX XXXX at XXXX XXXX I received a Notice from a Jefferson Capital Systems LLC . Saying that I owe the amount of XXXX from XXXX XXXX. I don't know anything about this, I never been with XXXX XXXX. Thank you
Company Response:
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The credit report information is incorrect The account has been closed # XXXX The account should be removed from my consumer credit profile This account should be removed from the three credit bureaus - XXXX - XXXX - XXXX
Company Response:
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A