Jefferson Capital Systems Named in Debt Collection Class Action in California

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Jefferson Capital Systems, LLC is the defendant in a proposed class action case out of California in which the plaintiff claims a notice she received from the company violated state and federal debt collection laws. According to the complaint, Jefferson mailed the plaintiff a collection notice in May 2017 over an obligation supposedly owed to Verizon Wireless. The communication stated, in part:

“If you do not pay the debt, we may report or continue to report it to the credit reporting agencies as unpaid for as long as the law permits this reporting.

In addition, we have requested that the consumer reporting agencies delete the account from your credit file.”

The case argues that the plaintiff was left unsure as to whether her supposed debt would continue to be reported or if it would be deleted from her file. The lawsuit describes the defendant’s alleged conduct as a false representation prohibited under the Fair Debt Collection Practices Act (FDCPA) and California’s Rosenthal Fair Debt Collection Practices Act.