Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
As of XX/XX/year> I, XXXX XXXX XXXX pulled my consumer reports from XX/XX/XXXX andXX/XX/XXXX and I noticed that I have unauthorized Collection Accounts as well as unverified late payments on my Consumer Report 's from XXXX XXXXXX/XX/XXXX institution. I've never given XX/XX/XXXXXXXX consent to report adverse information to damage my consumer eligibility. The XXXX XXXX account is reporting inconsistently across all three consumer reporting agencies thus violating 15 United States code 1681 s-2 ( a ) ( b ).XX/XX/XXXX- AccountXX/XX/XXXX & Account XX/XX/XXXX Reporting as one - 30 day late and the report states that I have 50 % on time payment history on my consumer reports which is grossly inaccurate. 
JEFFERSON CAPITAL SYSTEMS- Notice, it is a fact, I XXXX XXXX XXXX XXXX the affiant did not consent to communicate with this JEFFERSON CAPITALSYSTEMS more than our initial point of contact. I did not contract with JEFFERSON CAPITAL SYSTEMS nor did I request to have JEFFERSON CAPITAL SYSTEMS contact me back. I was contacted numerous times and have proof in Uploaded Exhibit that this behavior by JEFFERSON CAPITAL SYSTEMS, as a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that affiant, XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority JEFFERSON CAPITAL SYSTEMS has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
XX/XX/XXXX ACCOUNTXX/XX/XXXXXXXX - Amount of- {$180.00} Notice, it is a fact that affiant, XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XX/XX/XXXX has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
XXXX XXXX XXXX AccountXX/XX/XXXX/ Amount - XXXX / Collection Account- Notice, it is a fact, I, XXXX XXXX XXXX XXXX XXXX did not consent to communicate with thisXX/XX/XXXXmore than our initial point of contact. I did not contract with XXXX XXXX XXXX nor did I request to haveXX/XX/XXXXcontact me back. I was contacted numerous times and have proof in Uploaded EXHIBIT that this behavior by XXXX XXXX XXXX, as a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that, XXXX XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XXXX XXXX XXXX has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
XX/XX/XXXX- Account XX/XX/XXXX XXXX / Amount - {$1100.00} & AccountXX/XX/XXXXXXXX / Amount- {$250.00}. Notice, it is a fact, I, XXXX XXXX XXXX the affiant did not consent to communicate with this XX/XX/XXXXmore than our initial point of contact. I did not contract withXX/XX/XXXX nor did I request to have XX/XX/XXXX contact me back. I was contacted numerous times and have proof in Uploaded Exhibit that this behavior by XX/XX/XXXXas a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that XXXX XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XX/XX/XXXXhas never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately.

Company response to consumer: Closed with explanation