Date Received: 2023-05-13
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX keep trying to collect a debt of {$3800.00}. I have never used or obtain an account with them. Always get denied with XXXX XXXX due to how my credit is invalid. because I don't have any credit history. Therefore, I'm certain that someone made an account under my name and used my social to get a account and ran up a bill. Now it's under my name & really trying to establish credit.
Company Response:
State: MI
Zip: 48313
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is a result of fraud. My identity was stolen and the man responsible was arrested. I had a fraud alert on my credit and I also have a FTC report as well. XXXX XXXX knew this was fraud and removed the account once I removed my fraud alert they put the account back on my credit. I recently filed a dispute with XXXX and I have been getting calls from an unknown number. Today XX/XX/23 I picked up and another company opened the call with XXXX XXXX the last 4 of your social and proceeded to call out my social without verifying it was the correct person. I repeated ask the name of the company and was told they couldnt share the name but they were calling on behalf of XXXX XXXX. They hung up on me and I called back and finally got the name. They told me XXXX XXXX sold my debt to them in XXXX of this year because I refused to pay. I was confused because not only is the debt due to Fraud but I presently have XXXX XXXX and I know I dont owe anything. This company told me they dont care and if I didnt pay they will further damage my credit they didnt care that it was fraud
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Again, Your statement provided totally goes against the Consumer Law. I also have spoken with Jefferson Capital Systems and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from Jefferson Capital Systems LLC in regards to my account. I am requesting from XXXX the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( XXXX ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to JEFFERSON CAPITAL SYSTEMS LLC WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH JCS. I have spoken with them several times and they can not provide me with any information. Thank you.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Jefferson Capital Systems, I have been receiving threatening calls from your company, treating legal action if I do not pay the debt that you claim I owe. However, I have never had any business or financial dealings with Jefferson Capital Systems, and I have never authorized you to place any negative items on my credit report. I am requesting that you immediately stop all communication with me regarding this alleged debt, as I do not owe any money to your company. I am also requesting that you remove all negative information related to this debt from my credit report as soon as possible. This is causing me significant financial harm. I am prepared to take legal action if necessary to ensure that my credit report is accurate and free of any false or misleading information. Please provide me with written confirmation that you have stopped all communication with me and that you have removed all negative information related to this alleged debt from my credit report.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Frther, I certity that I am permised by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willul misstatements or omissions of material facts consetutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made. fam alleging that a person or company- without my authorization- used my personal Identitying information to apply for goods, services, or money : and, was successful in creating some accounts. All is being invessigated by the FTC
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is a carry on of the other XXXX complaints that i filed in XX/XX/2022 with cfpb about XXXX and XXXX XXXX in which the debt couldnt be found in either of their systems and verify the accuracy with original date of open on the contract with either Company, now Im receiving the same account just by JEFFERSON CAPITAL trying to collect the same debt as stated above. This debt isnt mine, it belonged to a deceased member. Also this account doesnt fit my current address or anything to verify as mine. Anytime i requested verification of debt actually belonging to me and not just opened in my name i never receive a proper response just about the debt matching my name and a random date to my current living address which has been for the past 3+ years and no XXXX information has ever been sent to me when the fraud happened, so incorrect date for the account opened because i didnt open such a account at my address.
Company Response:
State: OH
Zip: 43004
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: this is violation of code 15 u.s. code 1681i removal of inaccurate/invalidated credit information please remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX, has a violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have rights to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states that I have a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
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: ON XXXX, I disputed this account with XXXX and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies
Company Response:
State: PA
Zip: 17545
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A