Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (GA)

Certainly! Here 's the adjusted letter : Subject : Formal Dispute Regarding Erroneous Debt Reporting by Jefferson Capital Systems Collections XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Jefferson Capital Systems Collections XXXX Account, Account # XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious matter concerning the inaccurate reporting of an alleged debt by Jefferson Capital Systems Collections. This pertains to an closed account with Account Number XXXX, originally held by XXXX, with a claimed balance of {$690.00}. This dispute arises due to Jefferson Capital Systems Collections ' attempt to collect on a debt that was previously removed from my credit report. 

Account Details : Details from XXXX XXXXXXXX XXXX ( Deleted from all three bureaus ) : Account Number : XXXX Status : Deleted/Removed from all three credit reports ( XXXX, XXXX, XXXX ) Original Creditor : XXXX Creditor Type : Other Collection Agencies High Balance : {$690.00} Open Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Details from Jefferson Capital Systems Collections XXXX Account Type : Collection Account Date Opened : XX/XX/XXXX Account Number : XXXX Highest Balance : {$690.00} Creditor Info : Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Balance : {$690.00} Original Creditor : XXXX Account Condition XXXX Derogatory Background Information : This collection was previously removed from my credit report, but added back by the junk debt buyer Jefferson Capital Systems Removal Confirmation XXXX I can confirm that I received official confirmation from XXXX, XXXX XXXX and XXXX that the aforementioned XXXXt debt, initially held by XXXX XXXXXXXX XXXX XXXX was successfully removed from my credit report. The removal was in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 
Dispute Details : Unauthorized Reporting : Despite the confirmed removal, Jefferson Capital Systems Collections has reported the XXXX debt as open, with an alleged balance of {$690.00}. This inaccurate reporting is misleading and damaging to my credit history. 
Previous Successful Removal by XXXX XXXXXXXX XXXX : It is pertinent to note that the initial debt buyer, XXXX XXXX XXXX, reported this debt and was promptly removed from my credit report after verification. This further underscores the accuracy of the removal and raises concerns about the legitimacy of Jefferson Capital Systems Collections ' claim. 
Lack of Valid Documentation : Jefferson Capital Systems Collections has failed to provide any valid documentation supporting their claim to the XXXX debt. I have not received any communication from them regarding the alleged debt, and their reporting appears to be based on inaccurate or insufficient information. 
Request for Investigation : I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter. Jefferson Capital Systems Collections ' attempt to collect on a debt that has been officially removed from my credit history is a clear violation of the FCRA. 
Cease and Desist : I request that Jefferson Capital Systems Collections cease all collection attempts, reporting, and any further actions related to the XXXX debt until a proper investigation is conducted, and the matter is resolved. 
Supporting Documents : I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this situation. If you require any further information or documentation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your time and assistance in resolving this dispute. 

Sincerely, XXXX XXXX