Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

An account was established with XXXX XXXX in XXXX and was discharged to collections in the amount of {$1500.00} to Jefferson Capital on XX/XX/XXXX Jefferson Capital transferred the debt to a company called XXXX. I received a text message from XXXX on XX/XX/XXXX trying to collect the debt as well. I called XXXX and spoke with a rep by the name of XXXX and asked what was the nature of her call and she advised that Jefferson Capital sold them the collections debt of the amount stated above. I asked XXXX as well as Jefferson Capital to provide the original contract and or agreement purchased from the original creditor and neither company could provide the original contract. I also tried reaching out to XXXX to obtain the contract but was unsuccessful in retrieving it. I submitted a complaint to XXXX opting out and rescinding my authorization written and unwritten verbal authorization via electronic submission and certified mail.whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Please see attached letter to XXXX and their violation. I am writing to formally request that XXXX XXXX honor my rights as a Federally protected consumer. I am requesting that XXXX XXXX immediately and indefinitely opt me out of sharing any of my personal data with third parties as per USC 15 6802. which states '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account is considered to be an adverse item that was reported without my permission per usc 1681s-is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting " I also request that XXXX XXXX rescind any and all authorizations and consents previously given concerning the use and sharing my personal information. This is to ensure that my records accurately reflect my current preferences regarding the handling of my data. Please acknowledge receipt of this letter and confirm in writing that my requests have been processed. I expect that XXXX XXXX will take the necessary steps to ensure compliance with my request in a timely manner.