Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TX)

Dear CFPB, I am writing to formally re-dispute the accuracy of the information contained in my consumer credit report concerning the following accounts reporting on XXXX XXXX XXXX and XXXX : JEFFERSON CAPITAL SYSTEM, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX Steps Taken : Despite my previous attempts to address these inaccuracies, the issues remain unresolved. I have sent multiple certified letters to Jefferson Capital System ( XXXX Certified tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), detailing my concerns and requesting proof of debt validation. Jefferson Capital System has not provided the proof of debt validation as required by law. 
I have also filed previous complaints with the CFPB against XXXX XXXX XXXX ( Complaint ID XXXX, submitted on XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX, submitted on XX/XX/XXXX ). XXXX XXXX XXXX closed the complaint on XX/XX/XXXX, stating that the accounts were verified as reported without providing the necessary documentation to support these claims. XXXX XXXX XXXX XXXX responded on XX/XX/XXXX, closing the complaint with non-monetary relief. These accounts remained verified despite my requests for documentation supporting the legitimacy and 100 % accuracy of this debt. 
Background and Dispute Details : To be clear, I am not receiving the legal proof of this debt. Despite multiple requests, XXXX XXXX XXXX ' initial investigations concluded that the information was accurate, verified, or had been updated. However, Jefferson Capital System did not provide the required proof, violating my rights to proof of this debt. 
Relevant Legal Provisions : The Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, outlines the validation of debts, which includes : The amount of the debt.

The name of the creditor to whom the debt is owed.

A statement that unless the consumer disputes the validity of the debt within thirty days, the debt will be assumed valid.

A statement that if the consumer disputes the debt within thirty days, the debt collector will obtain verification of the debt and mail it to the consumer.

A statement that, upon written request, the debt collector will provide the name and address of the original creditor.

15 U.S.C. 1692g ( b ) states that if the consumer disputes the debt within thirty days, the debt collector must cease collection until verification is obtained and mailed to the consumer.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), both the credit reporting agencies and the furnishers of information are obligated to investigate disputed information. Jefferson Capital System 's failure to provide evidence supporting the alleged debts constitutes non-compliance with FCRA requirements. 
Documentation Enclosed : To support my dispute, I have enclosed the following documents : A copy of the certified delivery proof confirming receipt of my original dispute letter to Jefferson Capital System. 
A copy of my initial letters sent to Jefferson Capital System requesting debt validation and demanding correction. 
A copy of my current dispute, dated XX/XX/XXXX, notarized with my intent to file suit if this debt is not fully validated. 
Expectation of XXXX XXXX : I expect you to conduct a reasonable reinvestigation of this matter and correct my credit report accordingly. Please confirm in writing that the requested corrections have been made to my credit file. I anticipate a response within 15 days of the date of this letter. 
Additionally, if this injustice is not corrected, I want to exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the Fair Credit Reporting Act ( FCRA ). This statute provides the legal framework for individuals to seek damages when a person or entity willfully fails to comply with the requirements of the FCRA.

Key Provisions of 15 U.S.C. 1681n : Willful Noncompliance : Any person who willfully fails to comply with any requirement imposed under the FCRA concerning any consumer is liable to that consumer.

Damages : o Actual Damages or Statutory Damages : The consumer may recover actual damages sustained or damages of not less than {$100.00} and not more than {$1000.00}. 
o Punitive Damages : The court may award punitive damages as it deems appropriate.

o Attorney 's Fees and Costs : The consumer may also recover the costs of the action together with reasonable attorney 's fees as determined by the court. 
If this issue is not resolved, I will file a claim with the Attorney General, the XXXX  and other relevant agencies, as Jefferson Capital System is known for violating the rights of people of XXXX and minorities and not correcting proven information on their credit reports. 
Relevant Provisions : Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 : o 1691. Scope of prohibition : It is unlawful for any creditor to discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, public assistance income, or because the applicant has exercised any right under the Consumer Credit Protection Act. 
o 1691e. Civil liability : Creditors who fail to comply with requirements are liable for actual damages, punitive damages, and equitable and declaratory relief, with attorney 's fees included.

Civil Rights Act of 1964 - Title VI - 42 U.S.C. 2000d : Prohibits discrimination based on race, color, or national origin under any program or activity receiving federal financial assistance. 
Thank you for your prompt attention to this matter. I look forward to your resolution and confirmation of the corrections made to my credit file.