Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Phone companies that I have not applied for and it's showing my credit someone used my info unknowingly.
Company Response:
State: IL
Zip: 60085
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX th I contacted the merchant to dispute the validity of this debt because I wouldnt ever use a company like XXXX XXXX and the fact that its XXXX that means this card is designed for poor people I have outstanding cards and credit I never missed a payment in my life since coming to XXXX XXXX XXXX I XXXX this company and tried to let them know this debt doesnt belong to me they refused to treat it as a fraud case
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 an account without my written instructions. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I do not have a contract with ) Jefferson Capital SYST ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # XXXX
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
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: Disputed debt, mailed certified letter, allowed 45 days to validate, failed to do so and did not remove or report to remove information from my credit report Reporting invalidated information to credit bureaus Unable to validate debt. Violation of the FCRA Violation of the FDCPA Defamation of Character Performed no investigation as requested Provided no response within 45 days of request
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Jefferson Capital has illegally reported XXXX collection accounts to my personal credit reports. According to their own words, The law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems ) can not sue you for it and we will not report it to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. I live in the state of Pennsylvania where the statute of limitations is 4 years. According to their own statement these unverified and unsubstantiated debts are already over this statute. I request that Jefferson Capital verify all of the following information Full original account number Date original account was opened Any written agreements between myself and the original creditor stating the amount owed Full account summary and itemized calculation the debt owed Date of first delinquency with original creditor Dates and times of any contact with myself trying to actually verify the debt.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I got a collections notice to my XXXX XXXX and XXXX apps today from XXXX XXXX. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.
Company Response:
State: OH
Zip: 44484
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dont know what it is about or where it came from just appeared on my credit as a collection from Jefferson capital systems
Company Response:
State: VA
Zip: 23606
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I found a collection on XXXX that I don't recognize. They claimed I opened a XXXX XXXX in XXXX, XXXX which never happened. I want to get a letter of validation & a letter of certification. I would like this fraudulent account removed from my credit report asap.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hi, Jefferson Capital Systems , LLC- has violated my rights. They have place a debt of {$350.00} collection notice on my credit report which is hurting my consumer credit report. I have requested from them via phone and certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They never responded. Jefferson Capital Systems , LLC can not provide proof that I owe this debt of {$350.00} and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. In accordance with the Fair Credit Reporting act Jefferson Capital Systems , LLC violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Jefferson Capital Systems , LLC as has violated my rights. 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. Please help.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed this account when it was reported on my credit report. I asked for validation of the account with the company. All I was given was the original creditors name. This company has been reporting to the credit bureaus monthly with payment updates or lack there of like I am in agreement with them to make payments. They have also recently updated the balance on the debt to include about another {$300.00} that I also do not owe. The company removed the balance and then updated the next month with the same balance that I disputed. I was not given a written notice that this debt was being collected upon or that the balance had even changed.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A