Consumer complaint received 2024-02-13 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: MI

Complaint narrative:
Jefferson Capital System XX/XX/2022 Referencing acc XXXX Your company placed a collection on my credit report which is in violation of the Privacy Act. You are not suppose to disclose a record contained in a system of records unless the individual to whom the record pertains gives prior written consent to the disclosure. 

You must do a Consumer Investigative Report according to US 15 1681. You will abide by 1006.34 for the Notice for Validation of Debts. Information that you send for validation of this debt is to be conspicuous and clear. Also you must include Statement Required by 1006.34 validating all required information that complies with Consumer Law.

1. ) Debt collectors name and the mailing address at which the debt collector accepts 2. ) Disputes and requests for original-creditor information.

3. ) The consumers name and mailing address.

4. ) If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

5. ) The account number, if any associated with the debt on the itemization date or a truncated version of that number.

6. ) The name of the creditor to him the debt currently is owed.

7. ) The itemization date.

8. ) The amount of the debt on the itemization date.

9. ) An itemization of the current amount of the debt reflecting interest fees, payments and credits since the itemization date.

10. ) The current amount of the debt.

11. ) License to debt collect in the state of Michigan with the valid License information attached to your Report.

You have 30 days upon receiving this letter to respond lawfully. I will not hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and the CFPB. During the time of all collection activity by you must cease and desist. During the validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult an attorney and consider legal action.

If your offices fail to respond to this request within 30 days from the date of your receipts, all references to this account must be deleted from my credit file and a copy of such deletion must be sent to me immediately. I formally request that you and your representatives do not contact me by telephone, at my home, email, or my place of employment. If your offices attempt telephone communication with me, including but not limited, computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will instruct my attorney to proceed with legal action. All future communication with me just be in writing and sent to address mentioned in this letter. This letter is an attempt to correct your records and any information obtained should be used for that purpose only.

CC. Federeal Trade Commission Attorney General Consumer Financial Protection Bureau Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation