Consumer complaint received 2025-11-04 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:
STATE OF FLORIDA XXXX XXXX OF XXXX I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, being of lawful age and sound mind, hereby depose and state under penalty of perjury as follows : XXXX. XXXX XXXX I am the natural person named above and the subject of the consumer credit report prepared by the credit reporting agencies TransUnion, Equifax, and Experian. 
XXXX. Purpose of this Affidavit This sworn affidavit is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., and constitutional due process protections, to demand the deletion of all inaccurate, incomplete, or unverifiable accounts appearing on my consumer credit report. 
XXXX. Disputed Accounts Upon review of my TransUnion credit file ( File No. XXXX, dated XX/XX/XXXX ), I identified multiple adverse accounts that are inaccurate, unverifiable, or reported in violation of the FCRA, including but not limited to : - Jefferson Capital Systems , LLC - XXXX XXXX XXXX - XXXX Bank - XXXX XXXX Bank ( multiple accounts ) - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Legal Basis for XXXX a. Fair Credit Reporting Act ( FCRA ) The FCRA mandates that credit reporting agencies maintain only accurate and verifiable information. Under XXXX U.S.C. XXXX ( b ), agencies must follow reasonable procedures to ensure accuracy. If disputed information can not be verified, it must be deleted pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). 
XXXX U.S. Supreme Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) established that reckless disregard of FCRA obligations constitutes willful violation. 
- XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ) affirmed consumers right to timely and accurate credit reporting. 
- XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) held that credit bureaus must go beyond mere reliance on creditor reporting and conduct an independent reinvestigation. 
- XXXX v. XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) found that negligent failure to ensure accuracy constitutes a violation under the FCRA. 
XXXX. XXXX XXXX I hereby attest that I have never entered into a valid, legally binding agreement with several of the entities listed above, and that no certified documentation has been provided to validate the alleged debts. Therefore, under the FCRA, these items must be immediately deleted as unverifiable or inaccurate. 
XXXX. Demand for Deletion and Correction Pursuant to the FCRA, I hereby demand that XXXX, XXXX, and XXXX delete all unverifiable, inaccurate, or obsolete accounts from my credit file within XXXX ( XXXX ) days of receipt of this affidavit and supporting documentation. Failure to comply constitutes willful noncompliance under XXXX U.S.C. XXXX and may subject your agencies to civil liability. 
XXXX. Supporting Documentation I am submitting a copy of my government-issued photo identification and proof of current address as required for verification purposes. 
XXXX XXXX : All statements contained herein are true, correct, and complete to the best of my personal knowledge, information, and belief. 
AFFIANT SIGNATURE : _________________________________________ XXXX XXXX XXXX XX/XX/XXXX Date : ___________________________ NOTARIAL ACKNOWLEDGMENT Texas XXXX of Florida XXXX XXXX of ______________________ XXXX XX/XX/XXXX Subscribed and sworn before me this ________ day of XXXX, XXXX, by XXXX XXXX XXXX XXXX who is personally known to me or has produced FL XXXX as identification. 
Notary Public Signature : _______________________________

Company response to consumer: Closed with explanation