Consumer complaint received 2025-07-24 00:00:00
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
State: NJ

Complaint narrative:
To : XXXX Corporation Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX And to : Jefferson Capital Systems , LLC XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX XXXX  Re : Formal Dispute and Legal Demand for Proof of Assignment and Cease of Misuse of My Personal Information To Whom It May Concern : This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and applicable state laws regarding a debt alleged to be originally owed to XXXX and now purportedly owned or collected by Jefferson Capital Systems , LLC under account number XXXX, related to a charged-off balance of {$360.00}, with a listed charge-off date of XX/XX/XXXX. 
Upon recent review of communications received, including a letter dated XX/XX/XXXX from Jefferson Capital, I am demanding : XXXX  1. Immediate Cease and Desist of All Collection Activity and Communications As required under 15 U.S.C. 1692c ( c ), I hereby demand that Jefferson Capital cease all communication with me regarding this alleged debt, unless you are providing legally required documentation. 
XXXX 2. Full Validation and Verification of Debt ( 15 U.S.C. 1692g ( b ) ) Under my rights provided by the FDCPA and reinforced by multiple federal court rulings, you are required to validate this debt. This includes, but is not limited to : A full itemized accounting of the debt, including the original contract from XXXX ; Proof of your legal ownership or assignment rights to collect on this debt ; Signed contract bearing my wet ink signature with XXXX ; Proof of how the amount {$360.00} was calculated and if fees or interest were applied ; Clear documentation showing that I provided express consent for XXXX to assign or sell my private data or account to Jefferson Capital. 
XXXX  3. Notice of Potential Violations & Legal Consequences By engaging in the sale, transfer, or sharing of my personal information without consent, both XXXX and Jefferson Capital may be in violation of multiple consumer protection laws, including : Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) concerning privacy of nonpublic personal information ; FCRA 604 and 607 regarding permissible purpose and accuracy obligations ; FDCPA 807 ( 15 U.S.C. 1692e ) concerning false, deceptive, or misleading representations ; New Jersey Consumer Fraud Act if applicable based on my residency. 
Further, the debt is beyond the statute of limitations for litigation, and any attempt to revive this debt could constitute re-aging, a willful FCRA violation under 623 ( a ) ( 5 ) and subject to civil liability under 616 and 617.

XXXX 4. Demand for Immediate Permanent Deletion Due to failure to provide verifiable documentation and lack of proper assignment : I demand permanent deletion of this account from all databases and from any third-party reporting agencies if applicable ; I demand that you confirm in writing that this account will no longer be sold, assigned, transferred, or reported to any party for any purpose. 
XXXX 5. Intent to Litigate If either XXXX or Jefferson Capital fails to comply with this demand within 15 days of receipt, I will initiate a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New Jersey Attorney General, and pursue legal action for : Invasion of privacy and unlawful data sharing ; FDCPA and FCRA violations ; Emotional and financial distress ; Court costs, legal fees, and statutory damages. 
XXXX Conclusion You are hereby on formal legal notice. I require a written response within 15 days to avoid further escalation. Silence or inadequate response will be interpreted as a willful refusal to comply with the law, and I will move forward with civil action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation