Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These Accounts : XXXX 2.JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, 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-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS 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 or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Capital System ( XXXX XXXX ) has repeatedly called me stating I owe {$3200.00}. I explained that I never had a XXXX account and XXXX XXXX Investigative Team advised this would be removed after I have disputed this account online several times. Jefferson Capital has started calling me repeatedly and I have blocked their number. This company has reported this inaccurate information on my credit report. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I quit XXXX on XX/XX/XXXX. They refused to port my number over to my new carrier and charged me for 2 months thereafter when I had no cell service. Some months later, I was sent to one collection agency after another for a bill of {$100.00} that I did not owe. I'd call and explain the situation and every agency sent the " debt '' back to XXXX. This has been a continual harassment since then. Now I have Jefferson Capital LLC of XXXX XXXX, MN reporting this as a derogatory on my credit report. I called them today ( XX/XX/XXXX ) and was told that they would put it into dispute but the rep there could not tell me what that meant or what would happen going forward. My XXXX score has crashed by XXXX points over this one item that is false reporting. My XXXX was XXXX and is now XXXX on XXXX. This is the only change in a while other than their usual minor blips. I pay any bills that I owe legitimately and on time. I do not, however, pay bills that I do not owe. XXXX and Jefferson Capital are responsible for damage to my credit score and my peace of mind. Three years of this harassment is just too much!
Company Response:
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is Fradulant account I didn't open. Now they are charging me {$960.00}. I currently have a XXXX XXXX account. But they charging for Cell. I DONT HAVE ANY XXXX XXXX line. Please remove this from record. THANK YOU
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX I do not have a contract with this company. XXXX is not from original creditor. I have never heard of this company
Company Response:
State: SC
Zip: 29301
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is not mine- I talked to the company directly and they still haven't deleted it. I filed a police report as well.
Company Response:
State: CO
Zip: 80221
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit to see an account from JEFFERSON CAPITAL SYSTEMS for XXXX XXXX in the amount of {$440.00}. I have no knowledge of this account as I am active military and deployed overseas.
Company Response:
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX Ive been disputing this account for over 10years
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Jefferson Capital System added a fraudulent collection to my account and couldnt verify ownership to that collection account upon calling them
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Filed a dispute with all three credit bureaus on XX/XX/2023 they had 30 days to respond and they did not so I'm asking for a deletion under the federal Credit Reporting Act
Company Response:
State: CA
Zip: 92583
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A