Consumer complaint received 2022-12-29
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, I ( the consumer ) initiated a phone call to Jefferson Capital Systems , LLC via the number XXXX pertaining to an alleged {$330.00} debt disclosed via XXXX XXXX XXXX XXXX XXXX credit reporting agencies. An agent of the company ( Jefferson Capital Systems , LLC ) disclosed the account as being a debt of which was purchased by their company ( Jefferson Capital Systems , LLC ) from XXXX XXXX ( the Original Creditor ). I informed the agent that I was never contacted pertaining the validity of the account/alleged debt and that such debt obligation was never verified with me the consumer before their agency began reporting such negative report and nor was consent given pertaining authorized use of my private & personal information to said company ( Jefferson Capital Systems , LLC ) ; and as well, no contract nor payment obligation exist between I ( myself ) and Jefferson Capital Systems , LLC. I requested the account be removed/deleted and all 3 credit bureaus be notified and their systems updated. The debt collection agent agreed to make a note and initiate a dispute pertaining to the alleged debt account. I gave my po box address and requested only written communication from that moment forwards. 

XXXX XXXX, XXXX, I received a 10 page verification letter via Jefferson Capital Systems , LLC. Disclosed therein is a Jefferson Capital Systems cover page stating " Your Account Summary '' of which there is no contract of such account and such language has been found to be obscene [ violation of Title 15 USC chapter 41 1692 ( d ) ( 2 ) & 1692 ( e ) ( 10 ) ] and reflecting the " Amount of the Debt '' as {$330.00} ( of which is a positive balance, not a negative balance and therefore is a false representation/misrepresentation of an amount owed/debt ) [ violation of Title 15 USC chapter 41 1692 ( e ) ( 2 ) ( a ) and 1692 ( j ) of which constitutes Mail Fraud ] and a XXXX XXXX billing statement issued via XXXX, nothing more and nothing less. Jefferson Capital Systems , LLC has failed to adequately perform on behalf of verifying the alleged debt obligation as there is no proof of contract, no signature, no payment agreement between myself and such company. 

[ invocation of Title 15 USC chapter 41 1692 ( k ) ( d ) and 1692 ( c ) ( d ) ] I have come to the conclusion and am invoking my jurisdiction and will administer judgement over this matter in accordance with Title 15 USC chapter 41 1611 and have declared a Default Judgement in favor of I ( myself ) due to Jefferson Capital Services, LLC 's failure to satisfactorily rebut the disputed account via providing an adequate proof of claim. XXXX XXXX did indeed share private personal information ( consumer 's name, address & etc. ) to Jefferson Capital Systems , LLC as a third-party debt collector without my consent and in violation of my privacy as a consumer [ violation of Title 15 USC chapter 41 1692 ( a ) and 1681 ( a ) ( q ) ( 3 ) and 1602 ( p ) and Regulation V 12 CFR 1022.3 ]. That of which is Identity Theft and since no contract exists between the parties ( Myself & Jefferson Capital Systems , LLC ) the alleged {$330.00} is a fraudulent debt account pertaining Jefferson Capital Systems , LLC [ violation of Title 15 USC chapter 41 1692 ( b ) ( 2 ) ]. Discernment was failed to be used by the 3 Credit Bureaus listed above on behalf of verifying the alleged debt account before reporting such [ violation of Title 15 USC chapter 41 1692 ( e ) ( 8 ) and 1681 ( o ) and 1681 ( o ) ( a ) ( 1 ) and 1681 ( q ) ] and in return I the consumer have suffered and grieved the damages caused via such theft of identity and consumer law violations ; i.e. slander, public humiliation, damage to my reputation, personal estate damages and ruined personal/private and public XXXX relations causing economic duress and effecting my ability to provide financial stability, adequate housing plus many other well needed provisions. 

I have been a victim of this fraudulent report from the " Date opened '' XX/XX/XXXX to it's most recent credit bureau reporting labeled " Balance updated '' XX/XX/XXXX.

Company response to consumer: Closed with explanation