Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX is reporting False information that has been reported for identify theft. this account does not belong to me and keeps being reporting under different agency names with False information, it does not report accurately has the LAW states it should. please remove from credit report or i will sue for damages that this is causing to me financially. all information is incorrect that is reporting on my file. i have copy and pasted the information from my credit file Account Number XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jeffcapsys Jefferson Capital Syst Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$1200.00} {$1200.00} Current Balance {$1200.00} {$1200.00} Responsibility Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Company Response:
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debit from XXXX is showing as in collections on my credit report. Date Open is stating on XX/XX/XXXX, XXXX creditor -XXXX for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. I have the orginal documentaion available.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is too much unacquires on my credit report. Fraud from following companies 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: please i need to remove this account from my credit reports please
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection on my credit report that definitely isnt mine and when I called and asked about it they said it was but its not. Account opened XX/XX/2018 with Jefferson Capital Systems for a collection of a debt that isnt mine the original company is XXXX
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has deen sending me collection notices in the amount of XXXX. The collection has been posted as past due balance. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: CA
Zip: 95210
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was notified through email that I had a new negative credit alert. I checked the alert and it said that I have been sent to collections with Jefferson Capital for {$9400.00} on XX/XX/XXXX. The original debt was apparently placed through XXXX XXXX on XX/XX/XXXX. I did not open this account and was not aware of the account until XX/XX/XXXX. I have notified Jefferson Capital and Filed a dispute and I also filed a dispute through XXXX. I have not received any documentation about the debt aside from the credit alert on XXXX.
Company Response:
State: KS
Zip: 66604
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
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: Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: company sent out affidavit form for theft and dispute
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A