Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am submitting this complaint because I am a verified victim of identity theft and there are fraudulent collection accounts, addresses, and hard inquiries being reported in my name that I did not authorize. 

I filed an official FTC Identity Theft Report ( Report XXXX. XXXX ) and completed the identity-theft affidavit process. In that report I identified two fraudulent collection accounts that are appearing on my credit reports : XXXX XXXX XXXX collection account with account number ending XXXX and a reported balance of approximately {$500.00}. 

Jefferson Capital Systems ( XXXX XXXX XXXX XXXX XXXX account with account number ending XXXX and a reported balance of approximately {$960.00}. 

I did not open, authorize, or benefit from either of these accounts. I have XXXX knowledge of these debts, and I never gave anyone permission to use my identity for these accounts. These accounts are the result of identity theft and are falsely being reported as my responsibility. 

In addition to the fraudulent accounts, there are fraudulent addresses and hard inquiries appearing in my credit file that I do not recognize or authorize : Fraudulent addresses reported in my file include : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraudulent credit inquiries include, at minimum : XXXX on or about XX/XX/XXXX XXXX  on XXXX about XX/XX/XXXX XXXX  on or about XX/XX/XXXX My correct identity and contact information are : Name : XXXX XXXX XXXX Current XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX, XXXX Phone XXXX XXXX Email : XXXX After discovering the fraudulent activity, I took immediate steps to protect myself : Filed an FTC Identity Theft Report and completed the sworn identity theft affidavit. 

Initiated disputes with the credit bureaus to remove/block the fraudulent accounts, addresses, and inquiries. 

Placed security freezes/fraud alerts on my credit reports and began monitoring for additional unauthorized activity. 

Began the process of reporting the matter to law enforcement as instructed. 

Despite these actions and my clear notice that I am a victim of identity theft, the credit bureaus and data furnishers have continued to report these fraudulent collection accounts and related information, which is causing ongoing and serious harm to me. The presence of these false accounts, addresses, and inquiries : Damages my credit scores and overall creditworthiness. 

Risks denials of legitimate credit, higher interest rates, and other adverse actions. 

Misrepresents my character and payment history, suggesting that I failed to pay debts that never belonged to me. 

Causes significant stress, anxiety, time loss, and emotional distress as I try to clean up damage I did not create. 

I believe the credit bureaus and data furnishers are violating multiple federal consumer-protection laws by failing to properly investigate and block this identity-theft information, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft blocking : failure to promptly block and remove information that resulted from identity theft after receiving my FTC Identity Theft Report and supporting documentation. 

FACTA identity-theft provisions ( including the requirement to block information resulting from identity theft once a proper identity theft report is received ). 

FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation of disputed information and to delete or correct inaccurate information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers duty to stop reporting information they know or should know is the result of identity theft and is inaccurate, once notified of the dispute and identity theft.

FCRA 604 ( 15 U.S.C. 1681b ) Any unauthorized inquiries and access to my consumer report that were not made for a lawful, permissible purpose. 

Potential FDCPA violations by the collection agencies ( XXXX XXXX XXXX and Jefferson Capital Systems ) for attempting to collect debts that do not belong to me, continuing collection after identity-theft notice, and misrepresenting the character, amount, and legal status of the alleged debts. 

I am asking the CFPB to step in because my own attempts to fix this directly through the credit bureaus and the collection agencies have not resulted in the complete and permanent removal of this fraudulent information. The accounts, addresses, and inquiries listed above are not mine and should never have been associated with my name or Social Security number. 

I am a victim of identity theft and simply want my credit reports to accurately reflect my true credit history, not the actions of whoever stole and misused my personal information.

2. What would you like the company to do to resolve your issue? ( Resolution/relief box ) I am requesting that the CFPB require the credit bureaus and all relevant data furnishers to : Immediately and permanently block and delete the following fraudulent collection accounts from all of my consumer reports ( including but not limited to XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX fraudulent collection account with account number ending XXXX, balance about {$500.00}. 

Jefferson Capital Systems ( JEFFCAPSYS ) fraudulent collection account with account number ending XXXX, balance about {$960.00}. 

Remove and suppress all fraudulent addresses that do not belong to me from every credit bureaus file, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Delete all hard inquiries and any other tradelines that were the result of this identity theft and not authorized by me, including at minimum : XXXX inquiry dated around XX/XX/XXXX XXXX  inquiry XXXX around XX/XX/XXXX XXXX XXXX dated around XX/XX/XXXX Code and treat these items properly as identity-theft related, consistent with FCRA 605B and all applicable FACTA and Metro 2 guidelines, so that : The collection agencies and any other furnishers stop reporting these fraudulent accounts. 

The accounts can not be reinserted or resold and re-reported in the future under different names or account numbers without full certification and proper notice to me as required by law. 

Provide me with written confirmation from each credit bureau and each furnisher stating : That the specified accounts, addresses, and inquiries have been permanently deleted/blocked as identity-theft related ; That they will not be reinserted in the future ; and That they will not sell, transfer, or assign any alleged debt or associated tradeline related to these fraudulent accounts to any other collector or third party. 

If any company claims that these accounts are legitimate, I request that they be required to : Provide full documentary proof with my genuine signature and application information ( not just data on a screen ) ; and Explain why they continued to report the accounts after receiving my FTC Identity Theft Report and disputes. 

I also request that the bureaus and furnishers update and correct any adverse credit scoring and internal risk codes that were caused solely by these fraudulent items, so that I am not penalized going forward for debts and activity that never belonged to me. 

I am not asking for any special treatmentonly that my rights under the FCRA, FACTA, and other applicable consumer-protection laws be honored, and that my credit reports reflect my true identity and credit history instead of fraudulent activity caused by identity theft.

Company response to consumer: Closed with explanation