Jefferson Capital Systems, LLc said they were attempting to collect a debt for a Credit Card from back in 2006 that I never even applied for St. Cloud, Minnesota

 After reading your complaint, it seems obvious to me that you may have been the victim of identity theft. This is a serious issue that you should look into. Always, and I mean ALWAYS, check your credit report once year (federal law makes it FREE once a year!). I have dealt with Jefferson twice in my life, and they've been professional and (reasonably) easy to deal with. Two things I can suggest. First, get your free annual credit report from all 3 credit bureaus to be sure all is well. CHALLENGE any- and everything negative you can (also free!). Challenge for nearly any reason, incorrect spelling, address, etc.. If the reporting agency can't prove 100% that their info is accurate, then the report must be deleted permanently, by law! Secondly, if this debt you speak of is actually 7 years old, it will AUTOMATICALLY delete from your credit report on the anniversary of the last date of activity. I have been able to delete many derogatory marks with thia simple, free, and legal method! I recommend to all that need help bringing that score up! I'm up 150 points in just over a year, using bureau disputes, and settling smaller accounts for pennies on the dollar. From renting with a 495 score, to refinancing a car loan at 2.99% and even now a mortgage at 3.75%!! Do your research, don't be taken advantage of, and I'm sure you'll see the American dream still exists. Best of luck,