Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NE)

I am writing to dispute the following incorrect information that appears on my credit report. The account listed under JEFFERSON CAPITAL SYSTEMS contain inaccuracies and violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. I am not acknowledging ownership of these debts, and my dispute is based on the legal violations and inaccuracies detailed below. Disputed Accounts : * JEFFERSON CAPITAL SYSTEMS ( related to XXXX XXXX in the amount of {$400.00} ) Basis for Dispute : Violation of 15 U.S.C. 1692e False or Misleading Representations : * Debt collectors are prohibited from making false, deceptive, or misleading representations. This includes falsely representing the amount, character, or legal status of a debt. 
Violation of 15 U.S.C. 1692f Unfair Practices : * Debt collectors are prohibited from using unfair or unconscionable means to collect or attempt to collect any debt. This includes collecting any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
Violation of 15 U.S.C. 1681i Dispute of Inaccurate Information : * Consumers have the right to dispute inaccurate or incomplete information in their credit report. The credit reporting agency must investigate the dispute within 30 days. If the information is found to be inaccurate, it must be corrected or removed.

Violation of 12 CFR Part 1006 ( Regulation F ) Debt Collection Practices ( Effective as of XX/XX/XXXX ) : * Clarifies rules under the FDCPA, including limitations on how and when debt collectors can contact you, the requirement to provide clear information about the debt, and the process for disputing a debt.

Violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : * There is no permissible purpose for these accounts to be on my credit report. According to 15 U.S.C. 1681b, consumer reports can only be furnished under specific conditions, none of which apply to the accounts in question. 1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * Furnishers of information must ensure the accuracy of the information provided to consumer reporting agencies. The accounts in question contain inaccurate information that I have not authorized or recognized. 1. Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : * The FCRA provides me with the right to privacy and accuracy in the information reported. The accounts in question were reported without my knowledge or consent, violating my right to privacy. XXXX. Violation of 15 U.S.C. 1681g ( Disclosures to Consumers ) : * I was not notified in writing within five days of the accounts being reported, as required by 15 U.S.C. 1692g. 1. Violation of 15 U.S.C. 1692f ( 1 ) ( Unfair Practices ) : * These accounts involve unfair and abusive practices, including the addition of unauthorized amounts, violating the provisions of 15 U.S.C. 1692f ( 1 ). 1. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : * These accounts were reported without proper authorization under the Privacy Act, which governs the collection, maintenance, use, and dissemination of personal information by federal agencies. 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g ( Validation of Debts ) : * Debt collectors must provide a validation notice within five days of the initial communication, detailing the amount of the debt, the name of the creditor, and the right to dispute the debt. Failure to provide this notice is a violation.