Date Received: 2023-01-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Is fraudulently submitted a collection for XXXX on my credit report which is impacting my credit. I have no knowledge of this, it just showed up on my credit report.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 @ XXXX Jefferson Capital Systems , LLC Company sent me an email regarding a supposed debt that is owed. However, I never provided this company my email address at any point nor have they attempted to mail mail me their complaint. I believe that this company has been hacking my emails. Given the fact I do not owe this company anything since I never entered into a contract with Jefferson Capital Systems LLC
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: My name is XXXX XXXX XXXX XXXX. A Debt collector going by the name of 'JEFFERSON CAPITAL SYSTEMS ' has been trying to collect a debt of {$1500.00} since XX/XX/2019 that I do not owe. They claim I made a deal with XXXX for the above amount back in XXXX that I was supposed to pay back within a month to XXXX. I was homeless and collecting XXXX in XXXX and currently still carry a XXXX XXXX XXXX XXXX card with client I.D . XXXX I attained in XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX by way of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also was receiving mail at a homeless shelter called XXXX XXXX ' at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My contact there was XXXX XXXX. I had absolutely no business with XXXX for the amount owed and have had no business with XXXX since about ten years ago. The charge is not only false it's fraudulent! Please investigate as this is not simply a matter of credit worthiness or principal but a matter of greater importance being fraudulent. I had no idea about the charge until I was finally able to view my report just this month. I want to note that the charge has caused me considerable damage. It was a major factor in why I couldn't get an apartment. I'm now living at XXXX XXXX XXXX XXXX in XXXX XXXX and hope to finally get an apartment soon by way of XXXX XXXX XXXX here in XXXX or through the XXXX XXXX. Again, the debt collector is 'JEFFERSON CAPITAL SYSTEMS ' and their address is listed as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with phone number listed as ( XXXX ) XXXX Please let me know if there's anything else you need from me. My number is XXXX and my name once again is XXXX XXXX XXXX XXXX.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Jefferson Capital Systems LLC Purchased debt from XXXX XX/XX/2020 Without my consent or wet signature on a contract between us
Company Response:
State: MD
Zip: 214XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear XXXX XXXX XXXX, I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my XXXX XXXX and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or around XX/XX/2021, I contacted XXXX in regard to, a mix of credit file information with my deceased father 's information. I filled out an identity theft packet, and I was advised : " the count would be removed from my credit file. ''
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried reaching out to the company and I have not received any response. XXXX requesting a removal of item This not my account and by the way this is me XXXX XXXX so please dont sent me any proganda in the mail as a stall tactic respectfully
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This debt was opened in XXXX and was removed from my credit report in XXXX due to statue of limitations after 7 years debt has to be removed from credit report. This collection company changed the date the account was opened and changed the name of the credit card company. Fraudulent dates and business name changed. Information not accurate and over 7 year statute of limitations. Please remove immediately. Thank you
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A