Jefferson Capital Systems, LLC

April 22, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning the Jefferson Capital Systems, LLC trade line that is reflected on her credit bureau reportWe are sorry to learn that the Jefferson Capital Systems, LLC trade line intended for a debtor with a similar name is reflected on Ms***’s credit bureau report This appears to be an error at the bureaus Although Ms [redacted] states Experian filed a dispute with Jefferson Capital Systems, LLC, we have no record of receiving the dispute However, we have notified the bureaus to delete the trade information pertaining to the account in question If the trade information should continue to reflect on Ms***’s credit bureau report, we suggest she dispute the trade line directly with the bureausThank you for the opportunity to respondSincerely, Sharon [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector Phone: ###-###-####

I am rejecting this response because: I only got another bill, so why was I lied to by a representative and a with standing balance has been reposted to my credit score? I also attached the proof that you reposted part of that to my credit, So can you stop with the lies? So I would like a copy of the Audio recording of that conversation I had when I was told that the account was paid off and my account was closed, or should I contact an attorney?

February 8, 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 February 7, 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 ###-###-####

I am rejecting this response because: I want a representative from Jefferson Capital LLC to contact me and explain to me why there was never an attempt to reach out to me to discuss this collection item prior to reporting it to the major credit bureaus I understand that Ms***'s response to the Revdex.com states that they are confident that the correspondence they sent me will resolve this case in a satisfactory matter (which it should because I sent an abundance of information to prove that this was identity fraud), but that still does not negate the fact that Jefferson Capital had my correct cell phone number as well as my correct physical address and not one attempt was made, since they obtained the account on October 1, 2017, to reach out to me Instead they arbitrarily report to the major credit bureaus and demolished my impeccable credit That could have been avoided had they made one phone call or sent one letter And it could not have come at a worse time considering that my wife and I were beginning the process of purchasing a new home, but now have to put that on hold until this negative item is removed from my credit report (since my score went from down to We have already missed out on the home we intended to purchase as it sold to another buyer You cannot tell me that how they handled my case was done in a legal manner based on collection policies and practices

June 2, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account #’s: [redacted] and [redacted] Debt Description: [redacted] Complaint ID: [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Mr [redacted] concerning his credit bureau file and the accounts referenced above Jefferson Capital Systems, LLC, acquired the [redacted] accounts on or around June 5, 2015, with balances of $1,and $697.53, respectively In researching the matter with [redacted] , they provided the enclosed confirmation letters for the accounts and advised they have no record of the accounts being disputed Although we show the balances are still due, in order to resolve this matter, we have closed our files and terminated collection action We have also requested the credit bureaus to delete our trade lines from Mr [redacted] ’s credit bureau file We appreciate the opportunity to address the matter Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector ###-###-#### Enclosure:

Initial Business Response / [redacted] (1000, 5, 2016/01/14) */ January 14, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Our Client: [redacted] Original Creditor: [redacted] Case # [redacted] Dear Mr [redacted] : We are in receipt of your correspondence sent on behalf of Mrs [redacted] concerning her [redacted] , account The account was placed with us by our client on August 13, for collection effortsWe show no record of receiving payments towards the balance of $1,In response to Mrs [redacted] ' stated dispute, we have closed our file and terminated collection actionOur client is being notified of the dispute and a copy of the complaint is being forwarded to their attention This letter confirms Jefferson Capital Systems, LLC, is not reporting any information regarding the account to the credit bureaus and we have no control over the reporting decisions for [redacted] Thank you for the opportunity to respond Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted]

January 31, Ms [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 Ms [redacted] : We are in receipt of your additional correspondence sent on behalf of [redacted] This letter will confirm we have responded directly to Ms [redacted] on January 31, Ms [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 ###-###-####

March 31, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / ID [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Consumer Financial Protection Bureau case number: [redacted] Dear Ms [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mr [redacted] concerning the above-referenced account We received similar correspondence from the Consumer Financial Protection Bureau Jefferson Capital Systems, LLC acquired the [redacted] student loan account and balance of $1,on or about August 5, On March 20, 2017, we received Mr***’s request for validation of the debt Although we believe the balance is still owed, to resolve Mr***’s dispute, 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: ###-###-#### C: Consumer Financial Protection Bureau

May 18, 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 May 18, 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:

June 8, Revdex.com Attention: [redacted] SRiver Ridge Circle Burnsville, MN Re: [redacted] / [redacted] Jefferson Capital Systems, LLC account number: [redacted] Debt Description: [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Ms [redacted] concerning the above-referenced account We appreciate Ms [redacted] providing documentation of the account in question Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $in or around November The notice of assignment, which included the Right to Dispute notice, was sent on December 3, The account was subsequently placed with [redacted] for collection purposes To resolve Ms***’s dispute, we have recalled the account, terminated further collection efforts and closed our file We have also notified the bureaus to delete our trade line from her 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, 2015/06/22) */ June 22, Mr [redacted] Revdex.com S River Ridge Circle Burnsville, MN Re: [redacted] Jefferson Capital Systems, LLC, Account # [redacted] Debt Description: [redacted] N.AChecking Account Case # [redacted] Dear Mr [redacted] : We acknowledge receipt of your correspondence sent on behalf of Mrs [redacted] concerning the account referenced above Jefferson Capital Systems, LLC, purchased the [redacted] N.AChecking Account and balance of $from [redacted] , in February The account was subsequently placed with [redacted] ., for collection effortsAccording to the information provided, the account was opened in November and charged off in May In response to Mrs [redacted] claim she has no knowledge of the account, we have recalled the account and terminated collection actionWe are also notifying the credit bureaus to delete our trade line from Mrs [redacted] 's credit file We appreciate the opportunity to respond Sincerely, Shirley [redacted] Consumer Relations Staff On behalf of Jefferson Capital Systems, LLC, A Debt Collector [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/29) */ (The consumer indicated he/she ACCEPTED the response from the business.)

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 have printed it and will keep it for my records.Thank you so very much for your assistance in resolving this matter.Kindest Regards,***

May 11, Ms [redacted] Revdex.com S River Ridge CircleBurnsville, MN Re: [redacted] Jefferson Capital Systems, LLC Account Number: [redacted] Original Creditor: [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 August 1, A letter introducing Jefferson Capital Systems, LLC as the current creditor was sent to Ms [redacted] ’ on October 10, Based on her dispute and to resolve this matter, we have terminated collections 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 Jefferson Capital Systems, LLC, A Debt Collector###-###-####

July 19, 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 $2,on or around June 7, Although we disagree with the merits of Ms***’s dispute, to resolve this matter we have terminated collection efforts and requested 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 ###-###-####

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 additional correspondence sent on behalf of [redacted] On November 16, 2017, a letter was sent directly to Ms [redacted] providing a resolution to her dispute Unfortunately, Ms [redacted] did not allow enough time to receive our letter prior to filing her rejection with the Bureau We are confident that once Ms [redacted] receives our letter, she will accept our resolution 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 ###-###-####

Initial Business Response / [redacted] (1000, 5, 2015/07/29) */ July 29, 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 correspondence sent on behalf of Miss [redacted] concerning her above-referenced account Jefferson Capital Systems, LLC purchased Miss [redacted] 's [redacted] account and balance of $in April and placed the account with Receivables Performance Management, LLC for collection purposesWe have no record of receiving any previous correspondence from herTo resolve Miss [redacted] 's dispute, we have recalled the account, terminated further collection efforts and closed our fileWe are also notifying the bureaus to delete our trade line from Miss [redacted] 's 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: (866) [redacted]

April 10, 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] and my subsequent telephone conversation with him Jefferson Capital Systems, LLC acquired the [redacted] Wireless account and balance of $1,on or around April 4, As I advised Mr [redacted] , based on his stated dispute and to resolve this matter, we have terminated collection efforts and have 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 ###-###-####

April 27, 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 April 27, 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:

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 meThank you very muchA+ rating for fixing the issue

August 17, Ms [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 Ms [redacted] : We are in receipt of your correspondence sent on behalf of [redacted] Jefferson Capital Systems, LLC acquired the [redacted] account and balance of $5,on or around October 7, This account is for a Ford Focus Electronic disputes were received from the credit bureaus which we verified We have no notation of a request for validation of this debt Although a balance remains on the account, based on Mr [redacted] ’ dispute, 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 ###-###-####