Consumer complaint received 2024-03-26 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: MO

Complaint narrative:
As a consumer, I assert that Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst has consistently violated my right to privacy, as protected by the Privacy Act of 1974. Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst, through its various iterations, have reported alleged information on multiple instances that have negatively effected my credit report without my authorization, in the amounts of {$4000.00} & {$160.00}. These actions are contravening the Fair Credit Reporting Act ( FCRA ), as explicitly outlined in 12 CFR section 1022.3. This section of the FCRA emphasizes the imperative for consumer reporting agencies to discharge their responsibilities with fairness, impartiality, and due regard for consumer privacy, stating, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Pursuant to 15 USC 6801, I, as the consumer, retain the right to ensure that my private information is not disseminated without explicit consent. Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst, recognized as a financial institution under the same title, is subject to 15 USC 1681 section 604a section 2, which explicitly states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' In this specific case, neither Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst nor XXXX, XXXX and XXXX, consumer reporting agencies, possess my written consent to furnish this information, rendering their actions unlawful. I hereby unequivocally revoke any and all consent previously granted to XXXX, XXXX, XXXX and Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst, whether such consent was verbal, non-verbal, written, implied, or otherwise. Additionally, it is noteworthy that Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst, XXXX, XXXX and XXXX neglected to apprise me of my right to exercise the nondisclosure option, exacerbating their non-compliance with relevant laws. Furthermore, the inclusion of this adverse item in my credit report by Jefferson Capital Systems ; Jefferson Capital System ; Jefferson Capital Syst runs afoul of 15 USC 1681C ( a ) ( 5 ), which explicitly states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years '', which the alleged information is not. XXXX, XXXX and XXXX, as consumer reporting agencies, are duty-bound to uphold reasonable procedures designed to avoid such violations, as mandated by the requirements delineated in 15 USC 1681b . Additionally, 12 CFR 1016.7 further underscores a consumer 's right to opt out at any time from reporting services. Their failure to adhere to these standards indicates a breach of their obligations.

Company response to consumer: Closed with explanation