Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems because the company is reporting and attempting to collect a debt that does not belong to me, was not authorized by me, and is the result of identity theft. I have already taken the appropriate steps to protect myself by filing an FTC Identity Theft Report, disputing the account with the credit bureaus, and notifying the furnisher directly. Despite these actions, Jefferson Capital Systems has continued to report the account as valid, causing ongoing harm to my credit profile and violating my rights under federal law. 

This complaint explains in detail how the account appeared, the actions I took, the lack of proof provided by Jefferson Capital Systems, and why their continued reporting is inaccurate, unfair, and unlawful. 

XXXX. Discovery of a Debt I Did Not Recognize I first became aware of Jefferson Capital Systems when I reviewed my consumer credit reports and noticed a collection/charge-off account attributed to them. I immediately recognized that this account was not mine. I have never opened an account with Jefferson Capital Systems, never entered into a contract with them, and never authorized any company to assign or sell a debt to them on my behalf. 

I did not recognize the alleged original creditor, the balance claimed, or the dates associated with the account. The appearance of this tradeline was unexpected and inconsistent with my financial history. 

XXXX. I Do Not Own or Owe This Account To be clear and unequivocal : I do not own this account. I did not : Apply for credit related to this account Sign any agreement or contract Authorize any transaction Receive goods, services, or funds Grant permission for my information to be used There is no contractual relationship between me and Jefferson Capital Systems. Any suggestion that I am responsible for this debt is incorrect. 

XXXX. Filing of FTC Identity Theft Report Because the account was clearly fraudulent, I filed an FTC Identity Theft Report documenting that my personal information was used without my knowledge or consent. Filing this report was not done lightly ; it was done after carefully reviewing my records and confirming that the account did not belong to me. 

Under federal law, the FTC Identity Theft Report serves as formal documentation that the account is the result of identity theft. Once this report is filed and provided, credit reporting agencies and furnishers are required to take specific actions to prevent further harm. 

XXXX. Disputes Submitted to Credit Bureaus and Jefferson Capital After filing the FTC report, I disputed the Jefferson Capital Systems account with the credit reporting agencies. I also disputed directly with Jefferson Capital Systems, requesting that they : Cease reporting the account Provide proof that I opened or authorized the account Validate the debt with original documentation Despite these disputes, the account has remained on my credit report. 

XXXX. Failure to Provide Lawful Validation Jefferson Capital Systems has failed to provide any documentation that legally establishes that I am responsible for this account. They did not provide : A signed contract bearing my verified signature An original credit application Proof of identity verification at account opening Evidence that I benefited from the account Chain-of-assignment documentation proving lawful ownership Any authentication tying me personally to the alleged debt Instead, they relied on internal records or electronic verification methods that do not meet the legal standard for validation when identity theft is alleged. 

XXXX. Continued Reporting Despite Identity Theft Documentation Even after being notified of the identity theft and receiving disputes, Jefferson Capital Systems continued to furnish the account to the credit bureaus. This action is harmful and violates the principles of accuracy and fairness required under the Fair Credit Reporting Act. 

Once a furnisher is notified that an account is disputed due to identity theft, continued reporting without conclusive proof becomes reckless. The law does not allow a company to simply rely on internal data when a consumer has filed an FTC Identity Theft Report. 

XXXX. Improper Reinvestigation Practices The responses I received indicated that Jefferson Capital Systems relied on automated or cursory reviews rather than a meaningful reinvestigation. A lawful reinvestigation requires : Manual review of original records Verification of identity Examination of how and by whom the account was opened Comparison of signatures or identifiers None of these steps were demonstrated. Simply stating that the account was verified is insufficient and does not satisfy federal requirements. 

XXXX. Harm Caused by Jefferson Capital Systems Actions The continued reporting of this fraudulent account has caused real and measurable harm, including : Damage to my credit score Increased difficulty obtaining credit Higher interest rates Emotional distress and anxiety Time and resources spent disputing inaccurate information Ongoing concern about misuse of my personal information This harm persists as long as the account remains on my credit report. 

XXXX. Failure to Comply With Federal Law Jefferson Capital Systems actions raise concerns under several provisions of federal law, including : FCRA 605B failure to block identity-theft-related information FCRA 611 failure to conduct a reasonable reinvestigation FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 623 ( a ) furnishing information that is inaccurate or unverifiable These laws exist to protect consumers from exactly this type of situation. 

XXXX. This Account Should Have Been Removed At multiple points, Jefferson Capital Systems had the opportunity to resolve this matter by removing the account once it became clear that it was fraudulent. Instead, they chose to continue reporting it without proof. 

Removal is not a favorit is a legal requirement when an account can not be verified or is tied to identity theft. 

XXXX. Why CFPB Intervention Is Necessary I am seeking assistance because normal dispute channels have failed. Despite providing identity theft documentation and disputing in good faith, the inaccurate reporting continues. CFPB oversight is necessary to ensure that Jefferson Capital Systems complies with federal law and corrects the harm caused. 

XXXX. Summary of What Happened I discovered a Jefferson Capital Systems account that did not belong to me I confirmed it was fraudulent and not authorized I filed an FTC Identity Theft Report I disputed the account with the bureaus and Jefferson Capital Jefferson Capital failed to provide lawful validation They continued reporting the account The account caused ongoing financial and emotional harm The issue remains unresolved 13. Closing Statement I did not open, authorize, or benefit from this account. I acted promptly and responsibly by filing an FTC Identity Theft Report and disputing the account. Jefferson Capital Systems failed to meet their obligations under federal law and continues to report inaccurate information. 

This complaint is submitted so that the matter can finally be resolved, the inaccurate account removed, and my credit file restored to accuracy.

Company response to consumer: Closed with explanation