Jefferson Capital Systems, LLC

June 3, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Wireless Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning his above-referenced account Our records indicate the [redacted] Wireless account was opened on July 27, and charged off on January 5, with a balance of $ Jefferson Capital Systems, LLC acquired the account in or around June The account is within the permitted reporting time frame A payment for $posted to your account on May 2, 2016, reducing the balance to $ Mr [redacted] states the last payment he made on the account was in However, the September billing statement (copy enclosed) reflects a payment for $was received on August 31, Although we feel the balance is owed, to resolve your dispute, we have terminated further collection efforts and closed our file We have also notified the bureaus to delete our trade line from your credit file Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-#### C: [redacted] w/enclosure [redacted] Killeen, TX

November 2, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Dear Ms [redacted] : We acknowledge receipt of your additional correspondence sent on behalf of Mr [redacted] concerning the above-referenced account Our records indicate the [redacted] account was opened on May 11, and was charged off on August 4, with a balance of $ Jefferson Capital Systems, LLC acquired the account on or about August 15, In consideration of Mr [redacted] ’s claim that the account is not his account, we have terminated further collection efforts and closed our file We have also notified the bureaus to delete our trade line from his credit file Thank you for the opportunity to respond Sincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me [redacted]

June 8, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Complaint ID: [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $on or around April 4, and subsequently placed the account with [redacted] for collection efforts To resolve this matter, we have terminated collection efforts and are requesting the credit bureaus to delete our trade line from Mr [redacted] ’s credit file If there is a trade line reflected on his credit file other than Jefferson Capital Systems, LLC in regard to this account, he will need to dispute that trade line with the credit bureaus Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

April 12, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account Number: [redacted] Debt Description: [redacted] Direct Marketing Complaint ID: [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] concerning the above-referenced account The Fingerhut Direct Marketing account was opened in November and charged off in November Jefferson Capital Systems, LLC acquired the account and balance of $in December Although the account still reflects a balance due, in order to resolve this matter, we have terminated collection efforts and are requesting the credit bureaus to delete our trade line from Mr [redacted] ’s credit fileThank you for the opportunity to be of serviceSincerely, [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

April 21, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Direct Marketing Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Direct Marketing account and balance of $on or around December 16, Based on Ms [redacted] ’s stated dispute and to resolve this matter, we have terminated collection efforts and are requesting the credit bureaus delete our trade line from her credit file Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

October 26, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Wireless Dear Ms [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning the above-referenced account Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $1,on or about April 14, In consideration of Mr [redacted] ’ claim that the account is not his, we have terminated further collection efforts and closed our file We have also notified the bureaus to delete our trade line from his credit file Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/10/02) */ October 2, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Mr [redacted] concerning the account referenced above Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $1,in June According to our records, we have not received any prior written requests for validation of the debtAdditionally, in researching the matter with [redacted] , we were advised there was no indication the account was reviewed by their Fraud TeamHowever, to resolve Mr [redacted] 's dispute, we have closed our file and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from his credit bureau file We appreciate the opportunity to be of service Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would like for this company Jefferson Capital system to send me copy of the request for removal of the tradeline of all three credit reporting agencies for my records as wellI will then consider this matter closeI have printed a copy of the Revdex.com response in reference to this company Jefferson Capital System as well for legal purposes only, stating that they will notify each bureau, Equifax, Experian, and Transunion to remove the Tradeline of their company name Final Business Response / [redacted] (4000, 9, 2015/10/08) */ October 8, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your additional correspondence sent on behalf of Mr [redacted] concerning the account referenced above This letter confirms the credit reporting agencies (Experian, Equifax, and TransUnion) have been notified to delete our trade line from Mr [redacted] 's credit bureau fileMr [redacted] can confirm the deletion of our trade line by contacting the credit bureaus Thank you for the opportunity to address the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

August 9, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $on or around October 12, Jefferson Capital Systems, LLC is licensed to collect in the state of Arizona under license number Although a balance remains, to resolve this matter, we have terminated collection efforts and have requested the credit bureaus delete our trade line from his credit file This letter will confirm this account will not be sold or transferred Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

August 18, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] This letter will confirm we have responded directly to Ms [redacted] on August 18, We believe the actions referenced in that letter have resolved this matter to the customer’s satisfaction Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

February 3, 2017 Ms. [redacted] RevDex.com 220 S River Ridge Circle Burnsville, MN 55337 Re: [redacted] ***... Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms. [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] ***. Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $101.30 on or around December 5, 2016. In response to Mr. ***’s disputer and to resolve this matter we have terminated collection efforts and requested the credit bureaus delete our trade line from his credit file. Thank you for the opportunity to be of service. Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI will check my credit report over the next few months to see the collections request removedThank you to all parties in this matter! [redacted] N [redacted] II

Initial Business Response / [redacted] (1000, 5, 2015/09/22) */ September 22, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Miss [redacted] concerning her above-referenced account According to the information provided, the [redacted] student loan account was opened in April and charged off in February Jefferson Capital Systems LLC, purchased the account in February with a balance of $1,The Right to Dispute letter was sent to her in April Although Miss [redacted] states she sent a certified letter in July 2014, we do not show any prior written communications received regarding the accountHowever, our records reflect a telephone conversation between Miss [redacted] and a representative on May 21, 2015, wherein she wanted to know if she made payment of $as settlement if we would delete our trade lineShe was advised we would update her credit file Pursuant to her request, enclosed please find the Enrollment Agreement and the Student Ledger reflecting the balance of $1,Although we disagree with the merits of her dispute, as a courtesy, we are notifying the credit bureaus to delete our trade line from her credit bureau fileThis also confirms the account will not be sold or transferred We appreciate the opportunity to address the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Enclosure: Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/09/23) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the agreement to have the collection removedHowever, the dispute over the phone was only to have it removed as it was affecting my credit scoreIt was not to acknowledge that it was supposed to be there because it wasn'tThanks for your convenience!

January 25, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your additional correspondence sent on behalf of [redacted] As our letter of January 18, indicated, a request was submitted to the credit bureaus to delete our trade line This letter will confirm the credit bureaus have delete/suppressed the Jefferson Capital Systems, LLC trade line from Ms***’s credit file Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

August 4, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] [redacted] Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] [redacted] Capital Systems, LLC acquired the [redacted] Wireless account and balance of $3,on or around April 4, Based on Ms [redacted] ’s previous correspondence indicating this was not her account, a Fraud Letter & Affidavit was sent to her on June 6, We have not received a completed affidavit from Ms [redacted] Pursuant to Ms [redacted] ’s request for validation of this debt, enclosed is a copy of her final [redacted] Wireless billing statement Although a balance remains, to resolve this matter, we have terminated collection efforts and requested the credit bureaus delete our trade line from her credit file This letter will confirm this account will not be sold or transferredThank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of [redacted] Capital Systems, LLC, A Debt Collector###-###-#### Enclosure:

June 7, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Dear Mr***: We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] This letter will confirm that on June 7, 2018, we responded directly to Mr [redacted] He should allow 7-days to receive our response We believe the actions referenced in that letter have resolved the matter satisfactorily Attached is a copy of our response Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-#### Attachment:

Initial Business Response / [redacted] (1000, 6, 2015/07/14) */ July 14, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning the account referenced above Jefferson Capital Systems, LLC, purchased the [redacted] account and balance of $1,in March from [redacted] According to our records, the account is being putback to [redacted] and our file will be closedAt this time, we are notifying the credit bureaus to delete our trade line from Ms***' credit bureau filePlease allow the credit bureaus thirty days to update their records Thank you for the opportunity to address the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/07/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have requested for Jefferson Capital System to verify the following information: Full original Account # Date of original Account opening Any written agreements between Jefferson Capital System/ or any other creditor, and myself stating this is a debt owed by me Full account summary on how account adds up to $ 1,as well as an itemized calculation of the alleged debt Date of first delinquency To date I have not received the requested information from Jefferson Capital SystemI still await such information from Jefferson Capital System along with removing their account form ALL of my Credit Bureaus Report Respectfully, [redacted] Final Business Response / [redacted] (4000, 10, 2015/07/28) */ July 28, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / Case number [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Dear Mr [redacted] : We acknowledge receipt of your additional correspondence sent on behalf of Ms [redacted] concerning the above-referenced account Ms***' [redacted] account has been returned to [redacted] Jefferson Capital Systems, LLC is no longer involved with the collection of the accountFuture correspondence should be directed to [redacted] at the following address: [redacted] Weldon Spring, MO A copy of your correspondence has been forwarded to [redacted] for review Thank you for the opportunity to respond Sincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: (866) [redacted]

January 11, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your additional correspondence sent on behalf of [redacted] *** As our response of January 4, indicated, in order to resolve Mr***’s dispute we requested the bureaus to delete our trade line This letter will confirm the credit bureaus have deleted/suppressed the Jefferson Capital Systems, LLC trade line from his credit file Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

November 21, Ms [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Debt Description: [redacted] Wireless Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] This letter will confirm we have responded directly to Mr [redacted] on November 21, Mr [redacted] should allow 7-days to receive our response We believe the actions referenced in that letter have resolved this matter to the customer’s satisfaction Thank you for the opportunity to be of service Sincerely, Kathy [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-####

April 20, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] [redacted] Misdirected Calls Complaint ID#: [redacted] Dear Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] We regret Mr [redacted] was receiving calls intended for another party This letter will confirm that we have removed his phone number of ###-###-#### from the account in question and have added the number to our Do-Not-Call listThank you for the opportunity to be of serviceSincerely, Kathy ***Consumer Relations StaffOn behalf of Jefferson Capital Systems, LLC, A Debt Collector###-###-#### why here