Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CT

Complaint narrative:
I am filing this complaint regarding a fraudulent XXXX account that XXXX previously deleted from my credit report after failing to validate it but has now been improperly transferred to Jefferson Capital Systems for collection. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Connecticut Unfair Trade Practices Act ( XXXX ). 



Case Timeline Initial Dispute with XXXX : I disputed this account directly with XXXX, asserting that it was opened fraudulently.

Verification Request : I requested : 1. The government-issued identification used to open the account 2. The signed service agreements or contracts 3. An itemized statement of charges XXXX Response : XXXX failed to provide validation and, as a result, deleted and removed this account from my credit report on XX/XX/year>. 
Subsequent Action by XXXX : Despite acknowledging they could not validate the debt, XXXX forwarded the same alleged account to Jefferson Capital Systems, nearly five years after the original debt was reported closed, resulting in continued damage to my credit profile and unnecessary harassment.

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accurac
y of information reported.

1681i : Upon dispute, furnishers and bureaus must reasonably investigate and delete unverifiable information. 
Violation : XXXX inability to verify the debt and subsequent transfer to Jefferson Capital constitutes negligent and willful noncompliance.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692e : Prohibits false, deceptive, or misleading representations about a debt.

1692f : Prohibits unfair or unconscionable collection practices.

Violation : Jefferson Capital Systems is attempting to collect on a fraudulent, unvalidated account. 



Violations of Connecticut State Law Under the Connecticut Unfair Trade Practices Act ( CUTPA ), Conn. Gen. Stat . 42-110b, it is unlawful for a creditor or collector to : Attempt to collect a debt without validating its legitimacy Engage in abusive or deceptive collection practices XXXX and Jefferson Capital Systems are acting in violation of CUTPA by knowingly attempting to enforce a fraudulent, unverified debt.

Requested Relief I respectfully request the CFPB to : 1. Investigate XXXX XXXX and Jefferson Capital Systems for violations of FCRA, FDCPA, and CUTPA.

2. Require Jefferson Capital Systems to produce all items below : The verified government-issued identification used to open the account The signed service agreements or contracts A full itemized statement of charges 3. If they can not validate the debt, require : Immediate deletion of the account from all credit bureaus Written confirmation that no further collection activity will occur Intended Next Steps if Unresolved If this matter is not resolved through this complaint, I will : File a formal complaint with the Connecticut Attorney Generals Office Seek legal representation to pursue remedies under FCRA, FDCPA, and CUTPA.

Pursue all available remedies, including statutory damages, attorneys fees, and injunctive relief.

Company response to consumer: Closed with explanation