Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX ( Collection Account ) To : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Validation Request for Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to the collection account referenced above, which is being reported on my credit file. I do not recognize this account and am formally disputing its accuracy.

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting validation of this debt. Please provide : The name and address of the original creditor A full payment history The complete chain of custody of the account Documentation bearing my signature showing I agreed to this debt This account is also being disputed under the Fair Credit Reporting Act ( FCRA ) 611, which mandates that consumer reporting agencies only report information that can be verified as accurate. If you can not validate this account with supporting documentation, it must be removed from all credit reports.

Until validation is provided, you must cease all collection efforts per FDCPA regulations. Continued reporting of unverifiable debt is a violation of federal law and will be treated as such. 

-- - DISPUTE LETTER # 2 JEFFERSON CAPITAL LLC ( Collection Account ) To : Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Validation Request for Account # XXXX XXXX XXXX XXXX XXXX XXXX- - To Whom It May Concern, I recently reviewed my credit report and found that your company is reporting a collection account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with a balance of {$630.00}. I do not have any record of this account and dispute its validity.

Pursuant to FDCPA 809 ( b ), I am requesting full validation of this debt, including : The name and address of the original creditor A copy of any contract or agreement that created the obligation An itemized accounting of the amount claimed Evidence of your legal right to collect on this debt Additionally, under the FCRA 623, you are required to ensure all information reported is accurate and complete. If you can not verify the account, it must be deleted from all credit reports.

This letter serves as a formal dispute. Please respond within the time frame required by law. 


-- - DISPUTE LETTER XXXX XXXX XXXX ( Charge-Off, Closed ) To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Charged-Off Account # XXXX XXXX XXXX XXXX XXXX XXXX - To Whom It May Concern, I am writing to dispute the accuracy of a charged-off account being reported by XXXX  under account number XXXX XXXX XXXX XXXX XXXXXXXX. This account is also showing similar details under another debt buyer, raising concern for duplicate reporting and potential violation of the FCRA 602 ( a ) regarding accuracy and reasonableness of procedures.

Please conduct a reinvestigation under FCRA 611 and provide : Evidence that the charge-off is being accurately reported Confirmation that this account is not being reported more than once under a different name Documentation of any transfer or sale of the debt If this account can not be properly verified, it must be removed from all consumer reporting agencies. Reporting unverifiable or duplicate negative items is a direct violation of federal law. 


-- - DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX ( Charge-Off, Transferred ) To : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Removal Request for Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - To Whom It May Concern, I am formally disputing the account referenced above, reported as a charged-off credit card with a transferred balance. This account shows inconsistent reporting of the balance, past-due status after closure, and lacks documentation supporting its accuracy.

Under the Fair Credit Reporting Act ( FCRA ) 623, furnishers are required to report accurate and complete information. If this account has been sold or transferred, the current reporting must reflect a {$0.00} balance, and the history must be updated to reflect that it is no longer your responsibility.

I demand : Correction of any inaccurate balances or status not reflecting the transfer Deletion of the account if the debt can not be verified A full investigation under FCRA 611 Please respond within the time required by law. 


-- - DISPUTE LETTER XXXX XXXX XXXXXXXX ( Active Account, Delinquency ) To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payment Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- - To Whom It May Concern, I am writing to dispute a late payment being reported for XX/XX/year> on my XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Based on my records, I do not believe this information is accurate, and I request a reinvestigation.

Under FCRA 611, you are required to investigate disputes and correct or delete inaccurate or unverifiable information. In addition, FCRA 623 requires furnishers to maintain the accuracy of the information they report and to update any information they learn is incorrect.

Please investigate the reported late payment and provide documentation verifying it. If no verifiable evidence exists, this entry must be corrected or removed.

Company response to consumer: Closed with explanation