Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Re : Dispute of Credit Report Information and Notice of Civil Liability Subject : 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Dear XXXX XXXX, I am writing to formally dispute the inaccurate information contained in my credit report, which I obtained from your bureau. As required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I am notifying you of your potential civil liability for negligent noncompliance in failing to correct or investigate this erroneous information in a timely and accurate manner. 

The Inaccurate information on my credit report includes the following : [ XXXX XXXX  ] Account Number : XXXX Issue : multiple inaccuracies on report as well as never received verification of debt in writing as requested. 
Jefferson Capital Systems LLC. 
Account Number : XXXX Issue : [ explain the issue with the account or reporting ] I have requested multiple times for the original contract and terms of the original contract and they will not provide me with the contract terms they are stating I own. Both XXXX XXXX  and Jefferson Capital have not given me the original contracts that were signed. Jefferson Capital only provides me with a portion about arbitration but not the original terms and conditions of the contract and are now trying to sue me civilly in court even though their arbitration clause states no jury or courts shall decide the case. They are trying to make me pay to arbitration yet they are the ones who filled the claim in civil court. Yet the arbitration states whether you and we as the card holder to bank I demand this be removed and dropped from court proceedings in XXXX XXXX va as they have not produced the original contract and the amount owed from a date prior after a payment shows a lower amount. This is fraud and I demand compensation from Jefferson Capital as well as deletion from credit report and court case. 

Under 15 U.S.C. 1681o, a credit reporting agency has an obligation to maintain accurate records and to investigate any consumer disputes. The failure to perform an investigation, or the negligent failure to correct inaccuracies after being notified, subjects you to civil liability. This negligence has harmed my credit standing and may result in damages, including but not limited to emotional distress, reputational harm, and potential financial losses. 

In accordance with the law, I am requesting that you investigate these inaccuracies within 30 days and provide me with a written response regarding the actions taken. Should you fail to address this dispute in compliance with the Fair Credit Reporting Act, you will be liable for damages under 15 U.S.C. 1681o. 

Please provide written confirmation that my dispute has been acknowledged and that an investigation is underway. Should you find that the information is indeed inaccurate, I request that it be corrected or removed from my credit report promptly. 

I appreciate your attention to this matter and expect a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation