Consumer complaint received 2023-06-28
Company: CL Holdings LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Jefferson Capital Systems , LLC, I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, Jefferson Capital Systems , LLC, with the alleged amount owed of {$260.00}. I want to emphasize that I am a victim of identity theft, and I did not make this charge. Therefore, I request that you remove the fraudulent charge, along with any related finance charge and other charges, from my account. I also kindly ask that you send me an updated and accurate statement and close the account if applicable. Furthermore, I request that you cease reporting this inaccurate information to all nationwide credit reporting agencies ( CRAs ) to which it was provided.

The federal Fair Credit Reporting Act ( FCRA ) is in place to promote accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is adversely affecting my good name, character, and ability to qualify for new credit. As a consumer, I have the right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. I kindly request the immediate removal of this account from my credit report and ask that you provide me with a copy of my updated credit report reflecting the removal of this account upon completion.

Enclosed with this letter, you will find a copy of my Identity Theft Report, which provides supporting evidence for my position. Additionally, I have included a copy of my credit report highlighting the fraudulent items related to your company, which are a direct result of identity theft. Please note that any unrelated information in the enclosed documents has been redacted. You will also find a copy of the Notice to Furnishers issued by the Federal Trade Commission, outlining your responsibilities as an information furnisher to CRAs under the Fair Credit Reporting Act. This notice specifies your obligations when you receive notice from a CRA, under section 605B of the FCRA, that the information you provided may be the result of identity theft. It is crucial that you cease providing inaccurate information to any CRAs and refrain from selling or transferring the fraudulent debts to another party for collection.

Furthermore, I believe that Jefferson Capital Systems , LLC, as the furnisher of this information, and XXXX as the credit bureau, are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly ask for the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation